{"European Payroll Toolkit":"ヨーロッパ給与ツールキット","Salary, pension, leave and termination in Greece, Germany, Italy, Spain and the UK":"ギリシャ、ドイツ、イタリア、スペイン、英国の給与・年金・休暇・退職","Your salary":"あなたの給与","Example figures. Replace them with yours.":"数値は例です。ご自身の数値に置き換えてください。","Tax year":"課税年度","Salaries / year":"年間の給与支払回数","I know my":"入力する金額","Gross / mo":"月額総支給","Gross / yr":"年額総支給","Net / mo":"月額手取り","Amount (€)":"金額（€）","Dependent children":"扶養する子ども","Age in tax year":"課税年度中の年齢","Bonus / year (gross €)":"年間賞与（総額 €）","Bonus as % of annual salary":"年収に対する賞与の割合（%）","First insured":"初回加入","1993 or later":"1993年以降","Before 1993":"1993年より前","Sector":"部門","Private":"民間","Public":"公共","More options":"その他のオプション","I spend at least 30% of my income by card or e-payment (rule since 2020)":"収入の30%以上をカードや電子決済で支払っている（2020年からの規則）","My e-payment spending (€ / year)":"電子決済による支出（€ / 年）","Custom employee EFKA rate (%)":"従業員EFKA率を指定（%）","use the year’s rate":"その年の料率を使用","Net per month":"月額手取り","Net per year":"年額手取り","Income tax":"所得税","EFKA":"EFKA","Marginal rate":"限界税率","of each extra €1 gross":"総支給1€増えるごとに","Where your gross pay goes":"総支給の内訳","you keep":"手元に残る","Net pay":"手取り","EFKA (pension & health)":"EFKA（年金・健康保険）","Solidarity levy":"連帯税","E-spending shortfall tax":"電子決済不足分への課税","Employer EFKA":"雇用主EFKA","Payslip breakdown":"給与明細の内訳","Regular month":"通常月","Christmas bonus":"クリスマス賞与","Easter bonus":"イースター賞与","Holiday allowance":"休暇手当","One-off bonus":"一時賞与","Year total":"年間合計","Payment":"支払い","Gross":"総支給","Tax & levies":"税金・賦課金","Net":"手取り","How the tax is calculated":"税金の計算方法","Annual gross":"年間総支給","Employee EFKA":"従業員EFKA","Taxable income":"課税所得","Tax from the scale":"税率表による税額","Tax credit":"税額控除","Income tax due":"納付所得税額","E-spending shortfall (22%)":"電子決済不足分（22%）","Total tax withheld":"源泉徴収税額合計","EFKA ceiling {c} / month":"EFKA上限 {c} / 月","Your bonus":"あなたの賞与","Enter a one-off bonus on the left to see how much of it you keep.":"左側に一時賞与を入力すると、手元にいくら残るかがわかります。","reaches your account out of {b} gross":"が総額 {b} のうち口座に入金されます","You keep {p} of the bonus. EFKA takes {e} and tax {t}. The bonus is taxed at your top rate, so it is taxed harder than your salary on average.":"賞与の {p} が手元に残ります。EFKAが {e}、税金が {t} を差し引きます。賞与は最も高い税率で課税されるため、平均すると給与よりも重く課税されます。","Net for the year with bonus: {n} (without: {w})":"賞与込みの年間手取り：{n}（賞与なし：{w}）","Total cost to the employer":"雇用主の総コスト","Gross pay plus employer EFKA at {r}. You take home {p} of it.":"総支給に雇用主EFKA（{r}）を加えた額です。そのうち {p} が手取りになります。","Your salary across 20 years of Greek tax rules":"ギリシャの税制20年分であなたの給与を見る","Each year from 2006 to 2026 is computed with that year’s tax scale, EFKA rates and solidarity levy. Compare in nominal euros, or adjust for inflation to see purchasing power in euros of {y}.":"2006年から2026年までの各年を、その年の税率表、EFKA率、連帯税で計算します。名目ユーロで比較するか、インフレ調整して {y} 年のユーロでの購買力を確認できます。","Gross salary in each year":"各年の総支給","Same euros":"同じユーロ額","Same purchasing power":"同じ購買力","My actual salaries":"実際の給与","Show amounts in":"金額の表示","Nominal €":"名目 €","€ of {y} (inflation-adjusted)":"{y}年の €（インフレ調整）","Include the bonus":"賞与を含める","Type your gross monthly salary for each year in the \"Gross / mo\" column of the table below.":"下の表の「月額総支給」列に、各年の月額総支給を入力してください。","Annual pay split by year (nominal €)":"年別の年収内訳（名目 €）","Annual pay split by year (€ of {y})":"年別の年収内訳（{y}年の €）","Share of gross pay by year":"年別の総支給に占める割合","Highest real net":"実質手取りが最も高い年","Lowest real net":"実質手取りが最も低い年","Prices 2006 → {y}":"物価 2006 → {y}","€100 in 2006 buys what {v} buys in {y}":"2006年の €100 は {y} 年の {v} と同じものが買えます","Real net {y} vs 2006":"実質手取り {y} 対 2006","per month, € of {y}":"月額、{y}年の €","Year":"年","Tax":"税金","Solidarity":"連帯税","Net / yr":"年額手取り","Kept":"手取り率","Real net / mo (€ {y})":"実質月額手取り（{y}年の €）","Assumptions and data":"前提条件とデータ","These rates drive every calculation: standard EFKA (formerly IKA) rates for a private-sector employee without a special fund or heavy-and-unhealthy status, the monthly contribution ceiling, and annual CPI inflation (ELSTAT). Edit any cell to match your case. Edits are saved in this browser only.":"これらの料率がすべての計算に使われます：特別基金や重労働・有害業務の扱いのない民間部門従業員の標準EFKA（旧IKA）率、月額保険料上限、年間CPIインフレ率（ELSTAT）。ご自身の状況に合わせて任意のセルを編集できます。編集内容はこのブラウザにのみ保存されます。","Inflation %":"インフレ率 %","Employee EFKA %":"従業員EFKA %","Employer EFKA %":"雇用主EFKA %","Ceiling € / mo":"上限 € / 月","Ceiling pre-1993":"上限（1993年以前加入）","Tax system":"税制","Reset to defaults":"初期値に戻す","est.":"推計","Tax rules by period":"期間別の税制","{n} payments a year · {g} gross / month":"年 {n} 回払い · 月額総支給 {g}","Net per month · {y}":"月額手取り · {y}","{p} of gross":"総支給の {p}","Needed gross: {g} / month":"必要な総支給：{g} / 月","= {g} / month over {n} payments":"= {n} 回払いで {g} / 月","= {g} gross / year":"= 年額総支給 {g}","Estimates for guidance only. Covers wage income of one employee. Older contribution rates and ceilings are typical values, the 2025–2026 inflation and 2026 ceiling are estimates, and the 2026 scale follows the reform passed in late 2025. Special funds (banks, press, engineers), heavy-and-unhealthy jobs, other income, deductions and allowances are not modelled. Spouses are taxed separately on their own wages; the child credit applies to each. For exact figures, check your payslip or an accountant.":"目安としての推計です。従業員1人の給与所得を対象としています。過去の保険料率と上限は代表的な値で、2025〜2026年のインフレ率と2026年の上限は推計値、2026年の税率表は2025年末に可決された改正に従っています。特別基金（銀行、報道、技術者）、重労働・有害業務、その他の所得、控除、手当はモデル化していません。配偶者はそれぞれ自分の給与について個別に課税され、子ども控除は各自に適用されます。正確な金額は給与明細または会計士にご確認ください。","Tax-free zone + 3 bands":"非課税枠 + 3段階","€12k tax-free, 18–45%":"€12k 非課税、18〜45%","€5k tax-free, 10–45%, solidarity":"€5k 非課税、10〜45%、連帯税",", €2,100 credit":"、€2,100 の税額控除",", solidarity":"、連帯税","top":"最高税率"," / year":" / 年","How to read this section":"このセクションの見方","<b>Same euros, shown nominal.</b> Every year uses the same gross salary of {m} / month, shown exactly as it would have been paid in that year. Gross is identical in every bar, so any change in net comes only from changes in tax and EFKA rules. Inflation is ignored here, so a euro in 2006 and a euro in {y} count the same even though a 2006 euro bought more.":"<b>同じユーロ額、名目表示。</b>どの年も同じ総支給 {m} / 月を使い、その年に支払われたとおりの額で表示します。総支給はどの棒でも同じなので、手取りの変化は税金とEFKAの規則の変化だけによるものです。ここではインフレを無視しているため、2006年のユーロのほうが多く買えたにもかかわらず、2006年の1ユーロと {y} 年の1ユーロを同じとして扱います。","<b>Same euros, inflation-adjusted.</b> Every year uses the same nominal salary of {m} / month, then converts it into euros of {y}. Back in 2006 that salary bought what {r} buys today, so the bars get smaller towards {y}: a salary that never rises loses value as prices go up. Use this view to see what a frozen salary costs you.":"<b>同じユーロ額、インフレ調整。</b>どの年も同じ名目給与 {m} / 月を使い、それを {y} 年のユーロに換算します。2006年にはその給与で現在の {r} 分のものが買えたため、棒は {y} 年に向かって小さくなります。上がらない給与は物価上昇とともに価値を失います。この表示で、据え置かれた給与がどれだけ損をするかがわかります。","<b>Same purchasing power, shown nominal.</b> The salary is adjusted for inflation so it buys the same in every year: {a} / month in 2006 is equivalent to {m} / month in {y}. Amounts are shown as they would have been paid at the time, so the bars rise mainly because prices rose, not because the worker is better off.":"<b>同じ購買力、名目表示。</b>給与をインフレ調整し、どの年も同じだけ買えるようにします。2006年の {a} / 月は {y} 年の {m} / 月に相当します。金額は当時支払われたとおりに表示されるため、棒が高くなるのは主に物価が上がったためで、労働者が豊かになったからではありません。","<b>Same purchasing power, inflation-adjusted.</b> The salary is the same in real terms every year ({m} / month in euros of {y}), so the total height of every bar is the same. Any change in the blue net part is purely the effect of tax and EFKA rules. This is the cleanest view of how the system treated the same worker over time.":"<b>同じ購買力、インフレ調整。</b>給与は毎年実質的に同じ（{y}年のユーロで {m} / 月）なので、どの棒も合計の高さは同じです。青い手取り部分の変化は、純粋に税金とEFKAの規則の影響です。同じ労働者が制度によって時代ごとにどう扱われたかを最もわかりやすく示す表示です。","<b>Your actual salaries, shown nominal.</b> Each year uses the gross you typed in the table, shown as it was paid at the time. Bars mix two effects: your raises and inflation. Switch to inflation-adjusted to separate them.":"<b>実際の給与、名目表示。</b>各年は表に入力した総支給を使い、当時支払われたとおりに表示します。棒には昇給とインフレという2つの効果が混ざっています。インフレ調整に切り替えると両者を分けられます。","<b>Your actual salaries, inflation-adjusted.</b> Each year uses the gross you typed, converted into euros of {y}. Rising bars mean your take-home pay really bought more; falling bars mean your raises did not keep up with prices or taxes.":"<b>実際の給与、インフレ調整。</b>各年は入力した総支給を {y} 年のユーロに換算して使います。棒が高くなれば手取りで実際により多く買えたことを、低くなれば昇給が物価や税金に追いつかなかったことを意味します。","<b>Left chart:</b> each bar is one year’s total gross pay (including bonuses), split into what you keep (net, blue) and what goes to EFKA, income tax and the solidarity levy.{mw} <b>Right chart:</b> the same split as a percentage of gross. Percentages are not affected by inflation, so this chart only changes with the gross salary choice. <b>Table:</b> the \"Real net / mo\" column is always in euros of {y}, whatever you choose above.":"<b>左のグラフ：</b>各棒は1年分の総支給（賞与を含む）で、手元に残る額（手取り、青）と、EFKA、所得税、連帯税に回る額に分かれています。{mw} <b>右のグラフ：</b>同じ内訳を総支給に対する割合で示します。割合はインフレの影響を受けないため、このグラフは総支給の選択によってのみ変わります。<b>表：</b>「実質月額手取り」列は、上の選択にかかわらず常に {y} 年のユーロです。"," The dashed line is the minimum wage for a full year, on the same basis.":" 破線は同じ基準での1年分の最低賃金です。","<b>You have not typed any past salaries yet.</b> Until you do, every earlier year uses your {y} salary ({m} / month) moved back with inflation (the grey numbers in the Gross / mo column). That keeps purchasing power the same in every year, so the bars come out almost equal. Type what you really earned in each year to see your own history.":"<b>過去の給与がまだ入力されていません。</b>入力するまでは、それ以前の各年は {y} 年の給与（{m} / 月）をインフレで遡らせた額（月額総支給列の灰色の数値）を使います。これにより購買力が毎年同じになるため、棒はほぼ同じ高さになります。各年に実際に得た額を入力すると、ご自身の推移が見られます。","<b>{n} years have no salary typed in.</b> Those years use your {y} salary ({m} / month) moved back with inflation (grey numbers in the Gross / mo column), so they show the same purchasing power as {y}. Type your real salary there to replace them.":"<b>{n} 年分の給与が未入力です。</b>これらの年は {y} 年の給与（{m} / 月）をインフレで遡らせた額（月額総支給列の灰色の数値）を使うため、{y} 年と同じ購買力を示します。実際の給与を入力すると置き換わります。","Estimate: your current salary adjusted for inflation. Type your real salary for this year.":"推計：現在の給与をインフレ調整した額です。この年の実際の給与を入力してください。","Worked example: the {a} bar next to the {b} bar":"計算例：{a} 年の棒と {b} 年の棒","Each bar in the left chart is one full year of pay, stacked from the bottom: net (what reaches your account) first, then EFKA, then income tax and any levies on top. The whole height is the gross. Below, two bars are taken apart: {a} and {b}. One is the base year {y}, the other is the year in which you kept the smallest share of your gross (amounts {basis}).":"左のグラフの各棒は1年分の給与で、下から積み上げています。まず手取り（口座に入る額）、次にEFKA、その上に所得税と賦課金です。全体の高さが総支給です。以下では {a} 年と {b} 年の2本の棒を分解します。一方は基準年 {y}、もう一方は総支給に対する手取りの割合が最も小さかった年です（金額は{basis}）。","as paid at the time":"当時支払われたとおり","in euros of {y}":"{y}年のユーロ","Gross (bar height)":"総支給（棒の高さ）","points":"ポイント","How to read it: in {a} the bar is {ga} tall. The bottom part, {na}, is your net ({ka} of the bar); {ea} went to EFKA and {ta} to tax and levies. In {b} the bar is {gb} tall and the net part is {nb} ({kb}). So from {a} to {b} your yearly net changed by {dn} and the share you keep by {dk}. Hover any bar to see the same numbers for that year.":"見方：{a} 年の棒の高さは {ga} です。下の部分 {na} が手取り（棒の {ka}）で、{ea} がEFKAに、{ta} が税金と賦課金に回りました。{b} 年の棒の高さは {gb} で、手取り部分は {nb}（{kb}）です。したがって {a} 年から {b} 年にかけて、年間手取りは {dn}、手取り率は {dk} 変化しました。任意の棒にカーソルを合わせると、その年の同じ数値が表示されます。","Both bars have the same height, so the whole difference in net comes from the rules: tax and levies changed by {dt} a year between {a} and {b}, plus any change in EFKA rates.":"両方の棒の高さが同じなので、手取りの差はすべて規則によるものです。{a} 年と {b} 年の間で税金と賦課金が年 {dt} 変化し、EFKA率の変化も加わっています。","The bars have different heights because the gross itself differs (raises or inflation, depending on your choices above). Compare the percentages rather than the euros to see the effect of the rules alone: tax and levies changed by {dt} a year.":"総支給そのものが異なる（上の選択に応じて昇給またはインフレ）ため、棒の高さが異なります。規則だけの影響を見るには、ユーロではなく割合を比較してください。税金と賦課金は年 {dt} 変化しました。","Gross: ":"総支給： ","Salary":"給与","Pension":"年金","Leave":"休暇","Your working life":"あなたの職業人生","All amounts are in today’s euros. Pensions are assumed to keep pace with inflation.":"金額はすべて現在のユーロです。年金はインフレに連動すると仮定しています。","Age now":"現在の年齢","Years insured so far":"これまでの加入年数","More years I will work":"今後働く年数","until I retire":"退職まで","Claim pension":"年金の請求","As early as possible":"できるだけ早く","When it is full":"満額になったとき","<b>Your plan:</b> work {n} more years → stop at {stop} ({sy}) with {y} years insured → pension from age {a} ({yr}), {s}.":"<b>あなたのプラン：</b>あと {n} 年働く → {stop} 歳（{sy}年）で退職、加入年数 {y} 年 → {a} 歳（{yr}年）から年金、{s}。"," You wait {w} years with neither salary nor pension.":" 給与も年金もない期間が {w} 年あります。","<b>Your plan:</b> with {n} more years you would have {y} years insured, below the 15-year minimum. You need at least {k} more years.":"<b>あなたのプラン：</b>あと {n} 年働くと加入年数は {y} 年で、最低15年に届きません。少なくともあと {k} 年必要です。","You are viewing a different cell from your plan.":"プランとは別のセルを表示しています。","Back to my plan":"自分のプランに戻る","Your plan":"あなたのプラン","Avg gross / mo so far":"これまでの平均月額総支給","Gross / mo from now":"今後の月額総支給","Empty = salary from the Salary tab.":"空欄 = 「給与」タブの給与。","Raise above inflation %":"インフレを上回る昇給率 %","Life expectancy":"平均余命","Years in Greece after 15":"15歳以降のギリシャ在住年数","Men":"男性","Women":"女性","Heavy & unhealthy occupation (ΒΑΕ), most of my years":"重労働・有害業務（ΒΑΕ）、在職期間の大半","Break-even compares pension with":"損益分岐点で年金と比較する対象","My contributions":"自分の保険料","Mine + employer":"自分 + 雇用主","Notional time to buy (years, max 7)":"加入期間の買い戻し（年、最大7年）","Military service, child-raising, studies, unemployment. Costs about 20% of your monthly salary for every month bought.":"兵役、育児、学業、失業。買い戻す1か月ごとに月給の約20%がかかります。","Full national pension (€ / month)":"満額の国民年金（€ / 月）","Retire at {a} · {y} years insured · {yr}":"{a} 歳で退職 · 加入 {y} 年 · {yr}年","{g} gross · {s} · 12 payments a year":"総支給 {g} · {s} · 年12回払い","full pension":"満額年金","reduced by {p}":"{p} 減額","not eligible":"受給資格なし","Replacement rate":"所得代替率","of your final net salary":"最終手取り給与に対する","Pension contributions":"年金保険料","yours {m} · employer {e}":"自分 {m} · 雇用主 {e}","Paid back each year":"毎年の回収割合","of {b}":"{b} のうち","Break-even":"損益分岐点","age {a}, after {n} years of pension":"{a} 歳、年金受給 {n} 年後","your contributions":"自分の保険料","all contributions":"全保険料","Earliest pension":"最も早い年金","Earliest full pension":"最も早い満額年金","Working until 67":"67歳まで働く","Working until 70":"70歳まで働く","at {a} ({yr}) with {y} years, net / month":"{a} 歳（{yr}年）加入 {y} 年、月額手取り","Not eligible":"受給資格なし","Every scenario: net monthly pension":"全シナリオ：月額手取り年金","Rows: the age you claim your pension. Columns: your total years of insurance by then. Outlined cells assume you keep working until you retire; cells to their left mean you stopped working earlier. Click a cell to see its details below.":"行：年金を請求する年齢。列：その時点での総加入年数。枠付きのセルは退職まで働き続ける場合で、その左のセルはそれより早く働くのをやめた場合です。セルをクリックすると下に詳細が表示されます。","Age":"年齢","Years insured":"加入年数","Full pension":"満額年金","Reduced (early)":"減額（繰上げ）","Working until retirement":"退職まで働く","Selected: details shown below (click any cell to change)":"選択中：詳細は下に表示（任意のセルをクリックして変更）","Pension breakdown":"年金の内訳","National pension":"国民年金","Contributory pension":"拠出制年金","Supplementary pension":"補足年金","Early-retirement cut":"繰上げ受給による減額","Gross pension":"年金総額","Health contribution (6%)":"健康保険料（6%）","Net pension / month":"月額手取り年金","Pensionable earnings: {a} / month (career average, incl. bonuses, spread over 12 months). Accrual rate for {y} years: {r}. National pension share: {n}.":"年金算定基礎報酬：{a} / 月（キャリア平均、賞与込み、12か月に按分）。{y} 年の給付乗率：{r}。国民年金部分：{n}。","Contributions and payback":"保険料と回収","Your pension contributions (6.67% main + 3% suppl.)":"自分の年金保険料（主年金6.67% + 補足3%）","Employer pension contributions (13.33% + 3%)":"雇用主の年金保険料（13.33% + 3%）","Notional time purchase":"加入期間の買い戻し","Total paid in":"支払総額","Net pension per year":"年間手取り年金","Expected years in retirement (life expectancy)":"退職後の予想年数（平均余命）","Expected lifetime net pension":"生涯の予想手取り年金","Lifetime pension ÷ {b}":"生涯年金 ÷ {b}","You get back {b} ({v}) after {n} years of pension, at age {age} in {yr}. Health contributions (about 7% of pay, shared) are not counted: they pay for healthcare, not pension.":"年金受給 {n} 年後、{yr}年に {age} 歳で {b}（{v}）を回収します。健康保険料（給与の約7%、労使折半）は含めていません。これは年金ではなく医療のための保険料です。","At this level you do not get back {b} within your life expectancy.":"この水準では平均余命内に {b} を回収できません。","Gross monthly pension by retirement age (working until then)":"退職年齢別の月額年金総額（それまで働く場合）","Cumulative net pension vs contributions":"累計手取り年金と保険料の比較","Pension received":"受け取る年金","Your contributions":"自分の保険料","All contributions":"全保険料","Pension rules applied":"適用される年金規則","Projection under current law (Laws 4336/2015, 4387/2016, 4670/2020) for EFKA private-sector employees. People insured before 1993, mothers of minor children, civil servants and some ΒΑΕ categories may still have transitional rules with earlier ages. Past earnings are taken in today’s euros; the supplementary annuity and life expectancy are simplified. For your official record, use e-ΕΦΚΑ (ατομικός λογαριασμός ασφάλισης, ψηφιακή απονομή).":"EFKA民間部門従業員について現行法（法律4336/2015、4387/2016、4670/2020）に基づく予測です。1993年以前の加入者、未成年の子を持つ母親、公務員、一部のΒΑΕ区分には、より早い年齢での経過措置が残っている場合があります。過去の収入は現在のユーロで扱い、補足年金と平均余命は簡略化しています。公式記録はe-ΕΦΚΑ（ατομικός λογαριασμός ασφάλισης、ψηφιακή απονομή）でご確認ください。","Your job and family":"仕事と家族","Working week":"労働週","5 days":"週5日","6 days":"週6日","Years with current employer":"現在の雇用主での勤続年数","Total years worked (all employers)":"総勤続年数（全雇用主）","I am the":"私は","Mother":"母親","Father":"父親","Calendar year":"暦年","Children":"子ども","Children’s ages (years)":"子どもの年齢（歳）","Child {n}":"子ども {n}","Expecting a baby":"出産予定","Single-parent family":"ひとり親家庭","Child with a disability (67%+)":"障害のある子ども（67%以上）","Gross monthly salary (€)":"月額総支給（€）","Annual leave · {y}":"年次休暇 · {y}","working days":"労働日","{w}-day week · {e} years with employer · {t} years total":"週{w}日 · 現雇用主で {e} 年 · 合計 {t} 年","First year: {r} days per month worked ({m} months so far)":"1年目：勤務1か月につき {r} 日（これまで {m} か月）","Weekday public holidays":"平日の祝日","{m} mandatory, {c} customary":"義務 {m} 日、慣例 {c} 日","Paid days off":"有給の休日","leave + holidays + family days":"休暇 + 祝日 + 家族休暇","Value of your leave":"休暇の価値","+ leave allowance {a}":"+ 休暇手当 {a}","Next increase":"次の増加","to {d} days, in {n}":"{d} 日へ、{n} に","Top of scale":"最上位","you have the maximum":"最大日数に達しています","{n} yr":"{n} 年","Annual leave scale (Law 4504/1966, 3302/2004)":"年次休暇日数表（法律4504/1966、3302/2004）","Service":"勤続","5-day":"週5日","6-day":"週6日","1st year with employer":"雇用主での1年目","2nd year":"2年目","3rd year onwards":"3年目以降","10 years with employer or 12 years in total":"雇用主で10年または合計12年","25 years in total":"合計25年","pro rata":"按分","Leave is counted in working days. At least 12 working days (10 on a 5-day week) must be taken in one block, and leave cannot be replaced by money while you are employed. Unused leave is paid out only when the job ends.":"休暇は労働日で数えます。少なくとも12労働日（週5日制なら10日）を連続して取得する必要があり、在職中は休暇を金銭に替えることはできません。未消化の休暇は退職時にのみ支払われます。","Public holidays {y}":"祝日 {y}","Take {d} off → {n} days in a row":"{d} を休む → {n} 連休","weekend":"週末","mandatory":"義務","customary":"慣例","Leave around a birth":"出産前後の休暇","Months before and after the birth. Childcare leave (reduced hours) can instead be taken as one continuous block if the employer agrees. Parental leave can be used any time until the child turns 8.":"出産前後の月数です。育児短時間休暇は、雇用主が同意すれば一括でまとめて取得することもできます。育児休業は子どもが8歳になるまでいつでも取得できます。","Family and special leave":"家族休暇と特別休暇","Entitlement":"権利","Pay":"給与","For you now":"現在のあなた","Applies":"該当","Not now":"現在は対象外","Based on Greek labour law for private-sector employees: Law 4504/1966 and 3302/2004 (annual leave), Law 4808/2021 (maternity, paternity, parental, carer and family leave) and the National General Collective Labour Agreement (ΕΓΣΣΕ). Sector or company agreements may give more. Public-sector staff follow different rules. Check with your employer or ΣΕΠΕ (Labour Inspectorate) for your case.":"民間部門従業員に関するギリシャ労働法に基づきます：法律4504/1966および3302/2004（年次休暇）、法律4808/2021（出産、父親、育児、介護、家族休暇）、全国一般労働協約（ΕΓΣΣΕ）。業種別や企業別の協約でより多く認められる場合があります。公共部門の職員は別の規則に従います。ご自身のケースは雇用主またはΣΕΠΕ（労働監督局）にご確認ください。","15 years minimum":"最低15年","Full pension: 67, or 62 with 40 years":"満額年金：67歳、または40年加入で62歳","Early pension from 62":"62歳からの繰上げ年金","Heavy & unhealthy (ΒΑΕ)":"重労働・有害業務（ΒΑΕ）","Deductions on pensions":"年金からの控除","included":"含む","years":"年","Retirement age":"退職年齢","Life expectancy ":"平均余命 ","Age (dashed line: life expectancy)":"年齢（破線：平均余命）","New Year’s Day":"元日","Epiphany":"公現祭","Clean Monday":"清浄月曜日","Independence Day":"独立記念日","Good Friday":"聖金曜日","Easter Monday":"復活祭月曜日","Labour Day":"メーデー","Whit Monday":"聖霊降臨祭の月曜日","Assumption of Mary":"聖母被昇天祭","Ochi Day":"オヒ・デー","Christmas Day":"クリスマス","Synaxis of the Theotokos":"生神女のシナクシス","Annual leave":"年次休暇","Employer":"雇用主","Maternity leave":"出産休暇","17 weeks: 8 before and 9 after birth":"17週：出産前8週と出産後9週","EFKA + employer top-up":"EFKA + 雇用主の上乗せ","Special maternity protection":"特別出産保護","9 months after maternity leave":"出産休暇後9か月","ΔΥΠΑ, at minimum-wage level":"ΔΥΠΑ、最低賃金水準","Paternity leave":"父親休暇","14 working days around the birth":"出産前後の14労働日","Employer (full pay)":"雇用主（全額支給）","Childcare leave (reduced hours)":"育児短時間休暇","1 hour less per day for 30 months (or 2 h for 12 + 1 h for 6), or an equal block":"30か月間1日1時間の短縮（または12か月2時間 + 6か月1時間）、または同等の一括休暇","Parental leave":"育児休業","Up to 4 months per parent, per child, until age 8 (first 2 months paid)":"親1人につき子ども1人あたり最大4か月、8歳まで（最初の2か月は有給）","Needs 1 year with your employer":"雇用主での勤続1年が必要","School visits":"学校訪問","Child sickness leave":"子どもの看護休暇","Single-parent extra leave":"ひとり親の追加休暇","6 days a year (8 with 3+ children), children up to 12":"年6日（子ども3人以上なら8日）、12歳までの子ども","Parent of a child with disability":"障害のある子どもの親","Right to 1 hour less work per day":"1日1時間の短縮勤務の権利","Pay reduced accordingly":"給与はそれに応じて減額","IVF / assisted reproduction":"体外受精・生殖補助医療","7 working days a year":"年7労働日","Prenatal check-ups":"妊婦健診","Time off as needed for exams":"検査に必要な時間の休暇","Carer leave":"介護休暇","5 working days a year for a relative needing care":"介護が必要な親族のために年5労働日","Marriage / civil partnership":"結婚・シビルパートナーシップ","Bereavement":"忌引","2 working days (close relative)":"2労働日（近親者）","Sick leave":"病気休暇","No fixed limit; first 3 days at 50% pay, then EFKA sickness benefit plus employer top-up":"日数の上限なし。最初の3日は給与の50%、その後はEFKAの傷病手当と雇用主の上乗せ","Employer + EFKA":"雇用主 + EFKA","Paid":"有給","Benefit":"給付","Unpaid":"無給","months":"か月","Maternity 17 wks":"出産 17週","Special protection 9 months":"特別保護 9か月","Childcare: 1 hour less a day, 30 months":"育児：1日1時間短縮、30か月","Parental leave 4 months, any time until age 8":"育児休業 4か月、8歳までいつでも","Paternity 14 days":"父親 14日","Birth":"出産","m":"か月","Extra pay":"追加の給与","Freelance":"フリーランス","Job offers":"求人オファー","Termination":"退職","Scenario name":"シナリオ名","Save":"保存","Delete":"削除","Saved scenarios…":"保存したシナリオ…","Saved \"{n}\"":"「{n}」を保存しました","Loaded \"{n}\"":"「{n}」を読み込みました","Deleted \"{n}\"":"「{n}」を削除しました","Type a name for the scenario first":"まずシナリオ名を入力してください","Pick a saved scenario to delete":"削除する保存済みシナリオを選んでください","Copy summary":"概要をコピー","Summary copied to clipboard":"概要をクリップボードにコピーしました","Copy blocked: the text is selected, press Ctrl+C":"コピーがブロックされました。テキストが選択されているので Ctrl+C を押してください","Spouse / partner taxable income (€ / year)":"配偶者・パートナーの課税所得（€ / 年）","New resident in Greece: art. 5C (income tax on 50% of pay for 7 years)":"ギリシャの新規居住者：第5C条（7年間、給与の50%に所得税）","Minimum wage (gross / yr)":"最低賃金（年額総支給）","Min. wage / mo":"最低賃金 / 月","Family benefits":"家族給付","Personal tips":"あなたへのヒント","Household (two earners)":"世帯（共働き）","Partner gross / month":"パートナーの月額総支給","Childcare cost / month":"保育費 / 月","Add children in the panel on the left to estimate child benefit (Α21) and the birth allowance.":"子どもの手当（Α21）と出産手当を見積もるには、左のパネルで子どもを追加してください。","Equivalised family income":"等価世帯所得","Α21 income band":"Α21 所得区分","Child benefit (Α21)":"子ども手当（Α21）","Birth allowance for a new baby":"新生児の出産手当","{v} / month · {y} / year":"{v} / 月 · {y} / 年","Not eligible (above €15,000)":"受給資格なし（€15,000 超）","Not eligible (above €40,000)":"受給資格なし（€40,000 超）","Α21 is paid to families with equivalised income up to €15,000: total family taxable income divided by 1 for the first parent, ½ for the second and ¼ per child. Amounts per child per month: €70 / €42 / €28 for the 1st and 2nd child and double from the 3rd, by band. Apply on idika.gov.gr (ΟΠΕΚΑ). Estimates.":"Α21は等価所得が€15,000以下の家族に支払われます。等価所得は世帯の課税所得合計を、第1の親を1、第2の親を½、子ども1人につき¼として合計した数で割ったものです。子ども1人あたりの月額は区分により第1子・第2子で€70 / €42 / €28、第3子からはその2倍です。申請はidika.gov.gr（ΟΠΕΚΑ）で。推計値です。","Pension vs investing it yourself":"年金か自分で投資するか","What if the same contributions went into a private investment instead? Each year’s contribution grows at the real return you choose until the selected retirement age, then pays out over your life expectancy.":"同じ保険料を民間の投資に回したらどうなるでしょうか。毎年の保険料が選んだ実質利回りで選択した退職年齢まで増え、その後平均余命にわたって支払われます。","Real return per year (%)":"年間実質利回り（%）","Invest":"投資","Capital at retirement":"退職時の資産","Private income / month":"私的収入 / 月","EFKA pension / month (gross)":"EFKA年金 / 月（総額）","Difference":"差額","in today’s euros at {a}":"{a} 歳時点の現在ユーロ","spent down over {n} years, before tax":"{n} 年で取り崩し、税引前","for life, with national pension floor":"終身、国民年金の下限あり","Investing privately carries market risk and has no lifelong guarantee, no national-pension floor and no disability cover. The EFKA pension also protects your spouse: a survivor’s pension is about 70% of yours ({v} / month).":"個人での投資には市場リスクがあり、終身保証、国民年金の下限、障害保障もありません。EFKA年金は配偶者も保護します。遺族年金はあなたの年金の約70%（{v} / 月）です。","Leave planner":"休暇プランナー","Add the periods you plan to take off. Working days are counted automatically, skipping weekends and public holidays. Saved in this browser.":"取得予定の期間を追加してください。週末と祝日を除いて労働日が自動で数えられます。このブラウザに保存されます。","Days already taken this year":"今年すでに取得した日数","+ Add period":"+ 期間を追加","From":"開始","To":"終了","Working days":"労働日","Remove":"削除","{e} days entitled · {u} taken · {p} planned · {r} left":"権利 {e} 日 · 取得済み {u} · 予定 {p} · 残り {r}"," You are planning {n} days more than you have.":" 持っている日数より {n} 日多く予定しています。"," Includes a block of {b}+ days in a row, as the law requires.":" 法律の定めどおり、{b} 日以上の連続取得が含まれています。"," The law requires one block of at least {b} working days in a row; none is planned yet.":" 法律では少なくとも {b} 労働日の連続取得が必要ですが、まだ予定されていません。","Your extra hours":"あなたの時間外労働","Average hours per month.":"月あたりの平均時間。","Extra hours, up to 45 / wk (+20%)":"所定外労働、週45時間まで（+20%）","Overtime above 45 / wk (+40%)":"週45時間を超える時間外労働（+40%）","Night hours 22:00–06:00 (+25%)":"深夜時間 22:00〜06:00（+25%）","Sunday / holiday hours (+75%)":"日曜・祝日の時間（+75%）","Night and Sunday hours are hours within your normal schedule that earn a premium; the percentages add up if both apply.":"深夜と日曜の時間は、通常の勤務時間内で割増が付く時間です。両方に該当する場合は割合が合算されます。","Extra net pay per month":"月あたりの追加手取り","{g} gross extra · hourly rate {h}":"追加総支給 {g} · 時給 {h}","Normal hourly rate":"通常の時給","gross (monthly × 6 ÷ 25 ÷ 40)":"総支給（月額 × 6 ÷ 25 ÷ 40）","Extra per year":"年間の追加分","net · {g} gross":"手取り · 総支給 {g}","You keep":"手元に残る","of each extra euro (marginal)":"追加1ユーロごとの割合（限界）","Overtime used":"時間外労働の消化","of the 150-hour yearly limit":"年間上限150時間のうち","Pay per hour by type":"種類別の時給","Monthly extra pay: gross vs net":"月の追加給与：総支給と手取り","Type":"種類","Rate":"率","€ / h gross":"€ / 時 総支給","€ / h net":"€ / 時 手取り","Hours":"時間","Month gross":"月額総支給","Month net":"月額手取り","Extra hours (υπερεργασία)":"所定外労働（υπερεργασία）","Legal overtime":"法定時間外労働","Night premium":"深夜割増","Sunday / holiday premium":"日曜・祝日割増","Extra hours above {c} a month exceed the weekly limit of {w} hours and legally count as overtime (+40%).":"月 {c} 時間を超える所定外労働は週 {w} 時間の上限を超え、法律上は時間外労働（+40%）として扱われます。","{h} overtime hours a year exceed the 150-hour annual limit for legal overtime.":"年 {h} 時間の時間外労働は、法定時間外労働の年間上限150時間を超えています。","Rules (Law 4808/2021 and 4093/2012)":"規則（法律4808/2021および4093/2012）","Employee vs freelancer":"従業員かフリーランスか","The same budget paid to you as a salary, or invoiced as a freelancer (μπλοκάκι). The employee side uses the Salary tab; the freelancer side uses 2026 rules.":"同じ予算を給与として受け取るか、フリーランス（μπλοκάκι）として請求するか。従業員側は「給与」タブを、フリーランス側は2026年の規則を使います。","Freelancer setup":"フリーランスの設定","Yearly invoicing (€, before VAT)":"年間請求額（€、VAT抜き）","Empty = what the employer pays for you in total today.":"空欄 = 現在、雇用主があなたのために支払っている総額。","EFKA class":"EFKA区分","Business expenses (%)":"事業経費（%）","In my first 3 years of activity (no minimum taxable income)":"事業開始から3年以内（最低課税所得なし）","Minimum monthly wage used for the imputed income (€)":"みなし所得に使う最低月額賃金（€）","Class {n}: {v} / month":"区分 {n}：{v} / 月","Freelancer minus employee, net per year":"フリーランスと従業員の年間手取りの差","Freelancer {f} vs employee {e} on a budget of {b}":"予算 {b} でフリーランス {f} 対 従業員 {e}","Employee net / year":"従業員の年間手取り","Freelancer net / year":"フリーランスの年間手取り","{p} of employer cost":"雇用主コストの {p}","{p} of invoicing":"請求額の {p}","Invoicing to match":"同等にするための請求額","per year, to equal your employee net":"年額、従業員としての手取りと同じにするには","Day rate to match":"同等にするための日額","at 220 billable days a year":"年220請求日の場合","Where the money goes":"お金の行き先","Side by side":"並べて比較","Employee":"従業員","Freelancer":"フリーランス","Budget / invoicing":"予算 / 請求額","Business expenses":"事業経費","EFKA (yours)":"EFKA（自分）","EFKA (employer)":"EFKA（雇用主）","Net per month (÷12)":"月額手取り（÷12）","Paid leave, bonuses, severance, unemployment cover":"有給休暇、賞与、退職金、失業保障","Yes":"あり","No":"なし","minimum imputed income applied":"最低みなし所得を適用","Freelancers pay a fixed EFKA class (2026 amounts estimated), get no tax credit, and since 2024 are taxed on at least an imputed income based on the minimum wage unless in their first 3 years. The 2025 abolition of the business levy (τέλος επιτηδεύματος) is included. 20% withholding on invoices and the tax prepayment affect cash flow, not the final tax. VAT is passed through.":"フリーランスは固定のEFKA区分（2026年の金額は推計）を支払い、税額控除はなく、2024年からは開始3年以内を除き、最低賃金に基づくみなし所得以上に課税されます。2025年の事業税（τέλος επιτηδεύματος）廃止は反映済みです。請求書への20%源泉徴収と予定納税はキャッシュフローに影響しますが、最終的な税額には影響しません。VATは転嫁されます。","Compare two job offers":"2つの求人オファーを比較","Net pay plus the benefits that matter in Greece: meal vouchers, group health insurance, other perks, commuting cost and extra leave. Empty gross for Offer A uses your current salary.":"手取りに加え、ギリシャで重要な福利厚生：食事券、団体健康保険、その他の特典、通勤費、追加の休暇。オファーAの総支給を空欄にすると現在の給与を使います。","Offer":"オファー","Name":"名前","Gross / month":"月額総支給","Bonus / year":"年間賞与","Meal card / month":"食事カード / 月","Health insurance / year":"健康保険 / 年","Other perks / year":"その他の特典 / 年","Commuting cost / month":"通勤費 / 月","Extra leave days":"追加の休暇日数","Result":"結果","Net pay / year":"年間手取り","Meal card + insurance + perks":"食事カード + 保険 + 特典","Value of extra leave":"追加休暇の価値","Commuting":"通勤","Total value / year":"年間の総価値","Per month (÷12)":"月あたり（÷12）","{n} is worth {v} more per year ({p}).":"{n} のほうが年 {v} 多い価値があります（{p}）。","The two offers are worth the same.":"2つのオファーの価値は同じです。","Your job ending":"退職時の受け取り","How the job ends":"退職の形態","Dismissal without notice":"予告なしの解雇","Dismissal with written notice":"書面予告ありの解雇","I resign":"自己都合退職","I leave to retire":"定年退職","Hire date":"入社日","Last day of work":"最終勤務日","Unused leave days":"未消化の休暇日数","Dependants":"扶養家族","Monthly unemployment benefit, base (€)":"失業手当の基本月額（€）","Net amount on leaving · {d}":"退職時の手取り額 · {d}","{y} years of service · pay basis {b} / month":"勤続 {y} 年 · 算定基礎 {b} / 月","Severance":"退職金","{m} months × {b}, tax-free up to €60k":"{m} か月 × {b}、€60k まで非課税","no severance":"退職金なし","Notice period":"予告期間","written notice by {d}":"{d} までに書面予告","not applicable":"該当なし","Final pay items":"最終給与の項目","bonuses, leave pay & allowance, net":"賞与、休暇の給与と手当、手取り","Unemployment benefit":"失業手当","{m} / month for {n} months":"{m} / 月を {n} か月","only after a dismissal":"解雇の場合のみ","What you receive":"受け取る額","Severance scale (Law 4093/2012)":"退職金の基準表（法律4093/2012）","Item":"項目","Severance ({m} months)":"退職金（{m} か月）","Extra for service before 12/11/2012 ({m} months)":"2012年11月12日以前の勤続分の上乗せ（{m} か月）","Share paid: {p}":"支払割合：{p}","Christmas bonus, pro rata":"クリスマス賞与、按分","Easter bonus, pro rata":"イースター賞与、按分","Unused leave pay ({d} days)":"未消化休暇の給与（{d} 日）","Leave allowance":"休暇手当","Total":"合計","Without notice":"予告なし","Notice":"予告","With notice":"予告あり","{n} mo":"{n} か月","{a}–{b} years":"{a}〜{b} 年","{a} years":"{a} 年","{a}+ years":"{a} 年以上","Under 1 year (probation)":"1年未満（試用期間）","Rules applied":"適用される規則","Estimates under Law 4093/2012, Law 4808/2021 and Law 2112/1920 for private-sector employees with an indefinite contract. Fixed-term contracts, collective agreements, abusive or invalid dismissals and special categories are not covered. Unemployment benefit amounts and rules change; check ΔΥΠΑ (dypa.gov.gr). For a dismissal, speak to a labour lawyer or ΣΕΠΕ early: deadlines are short.":"期間の定めのない契約の民間部門従業員について、法律4093/2012、法律4808/2021、法律2112/1920に基づく推計です。有期契約、労働協約、不当または無効な解雇、特別な区分は対象外です。失業手当の金額と規則は変わります。ΔΥΠΑ（dypa.gov.gr）でご確認ください。解雇の場合は早めに労働弁護士またはΣΕΠΕに相談してください。期限は短いです。","Hourly rate":"時給","Night, Sunday, holiday":"深夜、日曜、祝日","Severance scale":"退職金の基準表","Pay basis":"算定基礎","With written notice":"書面予告あり","Service before 12/11/2012":"2012年11月12日以前の勤続","Resignation and retirement":"自己都合退職と定年退職","Tax and EFKA":"税金とEFKA","Deadlines":"期限","Unemployment benefit (ΔΥΠΑ)":"失業手当（ΔΥΠΑ）","Private pension":"個人年金","Group pension plan":"団体年金プラン","Your contribution is deducted from taxable salary (Law 5078/2023), up to 20% of gross together with the employer’s. Amounts in today’s rules.":"あなたの拠出は、雇用主分と合わせて総支給の20%まで課税給与から控除されます（法律5078/2023）。金額は現行規則によります。","My contribution as":"拠出の指定方法","% of gross":"総支給の %","€ per salary":"給与1回あたりの €","My contribution":"自分の拠出","My contribution (% of gross)":"自分の拠出（総支給の %）","My contribution (€ per salary)":"自分の拠出（給与1回あたりの €）","Employer contribution (% of gross)":"雇用主の拠出（総支給の %）","From salary (% of gross)":"給与から（総支給の %）","From salary (€ per payment)":"給与から（1回あたりの €）","Bonus / year (% of annual salary)":"年間賞与（年収の %）","From bonus (% of bonus)":"賞与から（賞与の %）","Annual salary {s} + bonus {b} = {t}. 20% limit: {l} / year, you use {u}.":"年収 {s} + 賞与 {b} = {t}。20%の上限：{l} / 年、使用額 {u}。"," Room left: {r} a year, so the From salary box can go up to {p} (it is a % of salary only, without the bonus).":" 残り枠：年 {r}。したがって「給与から」は {p} まで設定できます（賞与を含まない給与のみの % です）。"," Over the limit by {r} a year: that part gets no tax deduction.":" 年 {r} 上限を超えています。その部分は税控除の対象になりません。","{v} per payment":"1回あたり {v}","Employer contribution":"雇用主の拠出","Plan return in year 1":"1年目のプラン利回り","What you earn this year from the plan":"今年プランから得られるもの","tax saved + employer contribution + return":"節税額 + 雇用主拠出 + 運用益","{a} of what you put in · {b} of your real cost":"拠出額の {a} · 実質負担の {b}","Total received / year (take-home + plan)":"年間の受取合計（手取り + プラン）","Bonus / year (gross)":"年間賞与（総額）","Plan contribution from salary":"給与からのプラン拠出","Plan contribution from bonus":"賞与からのプラン拠出","Bonus received, net":"受け取る賞与、手取り","Plan return per year (%)":"年間のプラン利回り（%）","Years contributing":"拠出年数","Yearly raise (%)":"年間昇給率（%）","Balance already in plan (€)":"プランの既存残高（€）","Payout":"受け取り","Lump sum":"一時金","Monthly pension":"月額年金","Paid monthly over (years)":"月払いの期間（年）","I withdraw early by choice, before 60 or retirement (+50% tax)":"60歳または退職前に自主的に早期引き出し（税+50%）","Net per month with the plan":"プラン加入時の月額手取り","{d} less than without it ({w}) · lower tax covers {p} of your contribution":"加入しない場合（{w}）より {d} 少ない · 減税で拠出の {p} をまかなえます","Income tax saved / year":"年間の所得税節約額","{p} of what you put in":"拠出額の {p}","Real cost of each €1":"1€あたりの実質負担","out of your take-home pay":"手取りからの負担","Balance after {n} years":"{n} 年後の残高","you {a} · employer {b} · return {c}":"自分 {a} · 雇用主 {b} · 運用益 {c}","Net at payout":"受け取り時の手取り","lump sum after {r} tax":"一時金、税 {r} 控除後","per month for {n} years, after {r} tax":"{n} 年間の月額、税 {r} 控除後","Together you put in {c} a year, above the 20% limit of {l}. The excess {x} is taxed as salary.":"合計で年 {c} を拠出しており、20%の上限 {l} を超えています。超過分 {x} は給与として課税されます。","This year: salary without and with the plan":"今年：プランなしとありの給与","Without plan":"プランなし","With plan":"プランあり","Gross / year":"年額総支給","Your plan contribution":"プランへの拠出","Take-home / year":"年間手取り","Take-home / regular month":"通常月の手取り","Going into the plan / year":"年間のプラン拠出額","EFKA is still paid on your full gross; only income tax goes down. Your saving is roughly your top tax rate on every euro you contribute.":"EFKAは引き続き総支給全額に課されます。下がるのは所得税だけです。節約額は拠出1ユーロごとにおおよそ最高税率分です。","What you gain in year 1":"1年目に得られるもの","Into the plan (you + employer)":"プランへの拠出（自分 + 雇用主）","Cost to your take-home pay":"手取りへの負担","Return in year 1 ({r})":"1年目の運用益（{r}）","Balance after 1 year":"1年後の残高","If withdrawn after 1 year, net ({r} tax)":"1年後に引き出した場合の手取り（税 {r}）","Gain vs taking it as salary":"給与として受け取る場合との差","Every €1 out of your pocket puts {v} into the plan. Most of the gain is the tax you don’t pay now; the return adds to it over time.":"自己負担1€ごとに {v} がプランに入ります。利益の大部分は今払わずに済む税金で、運用益が時間とともに上乗せされます。","Plan balance year by year ({n} years)":"プラン残高の推移（{n} 年）","Employer contributions":"雇用主の拠出","Investment return":"運用益","Starting balance":"開始残高","Saving the same take-home yourself":"同じ手取りを自分で貯蓄","Plan vs saving it yourself":"プランか自分で貯蓄か","Plan balance":"プラン残高","Tax at payout ({r})":"受け取り時の税（{r}）","Plan, net to you":"プラン、手取り額","Saving yourself, net":"自分で貯蓄、手取り額","Advantage of the plan":"プランの優位性","Total that left your take-home pay":"手取りから出た合計","\"Saving yourself\" means taking the money as salary (paying full income tax) and investing the smaller amount at the same return, with 15% tax on the interest. The employer contribution exists only inside the plan.":"「自分で貯蓄」とは、お金を給与として受け取り（所得税を全額支払い）、少なくなった金額を同じ利回りで投資し、利息に15%の税がかかる場合を指します。雇用主の拠出はプラン内でのみ存在します。","Payout tax by years in the plan (Law 5078/2023)":"プラン加入年数別の受け取り時の税（法律5078/2023）","Years in plan":"加入年数","Monthly":"月払い","Early, by choice":"自主的な早期","Tax is withheld by the insurer and is final. The +50% for early surrender does not apply after age 60 or pension age, on dismissal, employer bankruptcy, or a voluntary-exit scheme. Amounts built up before 2024 keep the old rules (10% up to €40,000, 20% above, for lump sums).":"税金は保険会社が源泉徴収し、それで課税が完了します。早期解約の+50%は、60歳または年金受給年齢以降、解雇、雇用主の倒産、希望退職制度の場合には適用されません。2024年以前に積み立てた分は旧規則（一時金は€40,000まで10%、超過分20%）のままです。","Year by year":"年ごと","You":"自分","Return":"運用益","Balance":"残高","Tax if paid out":"受け取った場合の税","Net if paid out":"受け取った場合の手取り","Saving yourself":"自分で貯蓄","Based on Law 5078/2023 (articles 106–107, amending articles 14–15 of Law 4172/2013) and circular Ε.2060/2024, for contributions from 1/1/2024. The plan return is your assumption, after fees; real returns vary and are not guaranteed. EFKA is assumed to apply to your full gross. Check your plan’s rules (vesting, fees, guaranteed rate) with HR or the insurer.":"2024年1月1日以降の拠出について、法律5078/2023（第106〜107条、法律4172/2013第14〜15条を改正）および通達Ε.2060/2024に基づきます。プランの利回りは手数料控除後の想定値で、実際の利回りは変動し保証されません。EFKAは総支給全額に適用されるものとしています。プランの規則（受給権、手数料、保証利率）は人事部または保険会社にご確認ください。","Yr ":"年 ","Balance: ":"残高： ","Greece":"ギリシャ","Germany":"ドイツ","Italy":"イタリア","Spain":"スペイン","United Kingdom":"英国","Country":"国","Compare countries":"国を比較","How it is calculated":"計算方法","Rules applied (2026)":"適用される規則（2026年）","Pension by claim age":"請求年齢別の年金","Gross monthly pension by claim age":"請求年齢別の月額年金総額","Workplace pension":"職域年金","Plan balance year by year":"プラン残高の推移","Tax treatment":"課税の扱い","Annual leave rules":"年次休暇の規則","Scale and notice":"基準表と予告","Same salary, every country":"同じ給与、各国で","Compare":"比較","Accuracy":"正確さ","Rent & bills":"家賃と光熱費","Show money as":"金額の表示","Nominal EUR":"名目 EUR","Purchasing power":"購買力","Every scenario":"全シナリオ","Annual pay split by country (EUR)":"国別の年収内訳（EUR）","Pension insurance 9.3%":"年金保険 9.3%","Unemployment 1.3%":"失業保険 1.3%","Health 7.3% + 1.45% extra":"健康保険 7.3% + 追加 1.45%","Income tax (Lohnsteuer)":"所得税（Lohnsteuer）","Solidarity surcharge":"連帯付加税","Church tax":"教会税","Kindergeld (paid separately)":"児童手当 Kindergeld（別途支給）","IRPEF gross (23/33/43%)":"IRPEF 総額（23/33/43%）","Work deduction":"給与所得控除","Regional surcharge":"州付加税","Municipal surcharge":"市町村付加税","Tax-wedge bonus (tax-free)":"税負担軽減ボーナス（非課税）","TFR set aside by employer (paid on leaving)":"雇用主が積み立てるTFR（退職時に支給）","Social security 6.50%":"社会保障 6.50%","Solidarity contribution":"連帯拠出金","Beckham law: flat 24%":"ベッカム法：一律24%","Work-income reduction":"給与所得の減額","IRPF (state + regional)":"IRPF（国 + 州）","Income tax 20% / 40% / 45%":"所得税 20% / 40% / 45%","Bonus % of annual salary":"年収に対する賞与の %","Tax class":"税クラス","I · single":"I · 単身","II · single parent":"II · ひとり親","III · married, sole earner":"III · 既婚、片働き","None":"なし","Regional surcharge %":"州付加税 %","Municipal surcharge %":"市町村付加税 %","Employer INPS %":"雇用主INPS %","Region (IRPF scale)":"州（IRPFの税率表）","General scale":"一般税率表","Catalonia":"カタルーニャ","Single parent (full child allowance)":"ひとり親（子ども控除満額）","New resident: Beckham law (flat 24% for 6 years)":"新規居住者：ベッカム法（6年間一律24%）","New resident: impatriati regime (50% of pay exempt, 60% with a child, 5 years)":"新規居住者：impatriati制度（給与の50%非課税、子どもがいれば60%、5年間）","Overtime hours / month":"時間外労働時間 / 月","Overtime premium %":"時間外割増 %","Night hours / month":"深夜時間 / 月","Night premium %":"深夜割増 %","Sunday / holiday hours":"日曜・祝日の時間","Sunday premium %":"日曜割増 %","Contract hours / week":"契約上の週労働時間","Yearly invoicing":"年間請求額","Business expenses %":"事業経費 %","Own pension saving % of profit":"利益に対する自己年金積立 %","Profitability coefficient %":"収益係数 %","First 5 years: 5% flat tax":"最初の5年間：一律5%課税","Avg gross / month so far":"これまでの平均月額総支給","Gross / month from now":"今後の月額総支給","Claim pension at age":"年金請求年齢","Real revaluation of contributions %":"保険料の実質再評価率 %","Employer contribution %":"雇用主拠出 %","Bonus / year (% of salary)":"年間賞与（給与の %）","Plan return / year %":"プランの年間利回り %","Yearly raise %":"年間昇給率 %","Tax & charges on payout %":"受け取り時の税・負担 %","Send my TFR to the fund":"TFRを基金に移す","Employer passes on its NI saving %":"雇用主が国民保険の節約分を還元する %","Leave days in my contract":"契約上の休暇日数","Youngest child age":"末子の年齢","Single parent":"ひとり親","Dismissal by employer (with settlement)":"雇用主による解雇（和解あり）","Dismissal, justified":"正当な解雇","Dismissal ruled unfair (Jobs Act)":"不当と判断された解雇（Jobs Act）","Unfair dismissal (improcedente)":"不当解雇（improcedente）","Objective dismissal (20 days)":"客観的理由による解雇（20日）","End of temporary contract":"有期契約の終了","Redundancy":"整理解雇","Dismissal (not redundancy)":"解雇（整理解雇以外）","Last day":"最終日","Settlement: months per year":"和解：年あたりの月数","Notice paid in lieu (months)":"予告に代わる支払い（月数）","Gross / year (EUR)":"年額総支給（EUR）","Adults in household":"世帯の大人の人数","Include utilities (electricity, heating, water)":"光熱費を含める（電気、暖房、水道）","I am moving there: apply new-resident tax regimes (Greece 5C, Italy impatriati, Spain Beckham)":"移住する：新規居住者の税制を適用（ギリシャ5C、イタリアimpatriati、スペイン・ベッカム）","Past avg pay, % of today":"過去の平均給与、現在に対する %","At each country’s earliest full-pension age":"各国の最も早い満額年金年齢で","At the same age everywhere":"どの国でも同じ年齢で","Same claim age":"同じ請求年齢","Years of service":"勤続年数","Countries shown":"表示する国","All countries":"すべての国","Greece, Germany, Italy, Spain, UK, France":"ギリシャ、ドイツ、イタリア、スペイン、英国、フランス","§32a EStG 2026: basic allowance €12,348, rates rising from 14% to 42%, 45% above €277,826. Solidarity surcharge (5.5%) only when income tax exceeds €20,350.":"§32a EStG 2026：基礎控除€12,348、税率は14%から42%へ上昇し、€277,826を超える部分は45%。連帯付加税（5.5%）は所得税が€20,350を超える場合のみ。","Social insurance":"社会保険","Employee: pension 9.3% and unemployment 1.3% up to €8,450/month; health 7.3% + half the average 2.9% extra rate, care 1.8% (+0.6% childless from 23, −0.25% per child from the 2nd) up to €5,812.50/month. Employer pays about the same plus ~1.6% levies.":"従業員：年金9.3%と失業1.3%は月€8,450まで。健康保険7.3% + 平均追加料率2.9%の半分、介護1.8%（23歳以上で子どもなしは+0.6%、第2子から子ども1人につき−0.25%）は月€5,812.50まで。雇用主もほぼ同額に加え約1.6%の賦課金を負担。","Tax classes and family":"税クラスと家族","Class I single, II single parent (relief €4,260), III married with a low-earning partner (splitting). Kindergeld €259 per child per month is paid separately. Church tax 8% (BY, BW) or 9%.":"クラスIは単身、IIはひとり親（控除€4,260）、IIIは低収入の配偶者がいる既婚者（分割課税）。児童手当は子ども1人あたり月€259が別途支給。教会税は8%（BY、BW）または9%。","23% up to €28,000, 33% up to €50,000 (cut from 35% by the 2026 Budget Law), 43% above. Work deduction up to €1,955, zero at €50,000.":"€28,000まで23%、€50,000まで33%（2026年予算法で35%から引き下げ）、それを超える部分は43%。給与所得控除は最大€1,955、€50,000でゼロ。","Tax-wedge cut":"税負担の軽減","Tax-free bonus of 7.1% / 5.3% / 4.8% of income up to €8,500 / €15,000 / €20,000; extra €1,000 deduction from €20,000 to €32,000, tapering to zero at €40,000.":"所得€8,500 / €15,000 / €20,000まで、所得の7.1% / 5.3% / 4.8%の非課税ボーナス。€20,000から€32,000まで€1,000の追加控除があり、€40,000でゼロまで逓減。","INPS and TFR":"INPSとTFR","Employee 9.19% (+1% above €56,224); employer about 30%. The employer also sets aside TFR (pay ÷ 13.5 each year), paid when you leave. Regional (1.23–3.33%) and municipal (0–0.9%) surcharges: enter yours.":"従業員9.19%（€56,224超は+1%）、雇用主は約30%。雇用主はTFR（毎年給与 ÷ 13.5）も積み立て、退職時に支給。州（1.23〜3.33%）と市町村（0〜0.9%）の付加税はご自身の値を入力してください。","State + regional scale (general reference): 19%, 24%, 30%, 37%, 45%, 47%; regions vary slightly. Personal allowance €5,550; children €2,400 / €2,700 / €4,000 / €4,500, split between parents.":"国 + 州の税率表（一般的な基準）：19%、24%、30%、37%、45%、47%。州によって多少異なります。基礎控除€5,550。子ども€2,400 / €2,700 / €4,000 / €4,500、両親で分割。","Work-income relief":"給与所得の軽減","€2,000 general deduction, plus a reduction of up to €7,302 for net work income up to €14,852, phasing out by €19,747.50.":"€2,000の一般控除に加え、純給与所得€14,852まで最大€7,302の減額があり、€19,747.50で消滅します。","Social security":"社会保障","Employee 6.50% (4.70% common, 1.55% unemployment, 0.10% training, 0.15% MEI) up to €5,101.20/month, plus a small solidarity contribution above it. Employer about 32%. Usually 14 payments.":"従業員6.50%（一般4.70%、失業1.55%、職業訓練0.10%、MEI 0.15%）は月€5,101.20まで、それを超える部分には少額の連帯拠出金。雇用主は約32%。通常は年14回払い。","England, Wales, Northern Ireland 2026/27: personal allowance £12,570 (lost £1 per £2 above £100,000), 20% to £50,270, 40% to £125,140, 45% above. Scotland has its own bands.":"イングランド、ウェールズ、北アイルランド 2026/27：基礎控除£12,570（£100,000を超える£2ごとに£1減少）、£50,270まで20%、£125,140まで40%、それを超える部分は45%。スコットランドは独自の税率区分。","Employee 8% between £12,570 and £50,270, 2% above. Employer 15% above £5,000 a year.":"従業員は£12,570から£50,270まで8%、それを超える部分は2%。雇用主は年£5,000を超える部分に15%。","Not included":"含まれないもの","Student loan repayments, workplace pension (see Private pension) and benefits in kind. Amounts in pounds sterling.":"学生ローンの返済、職域年金（「個人年金」を参照）、現物給付。金額は英ポンドです。","payments a year":"年の支払回数","gross / month":"総支給 / 月","of gross":"総支給の","of each extra 1 gross":"総支給が1増えるごとに","Social sec.":"社会保障","Your social security":"あなたの社会保険料","Employer social security":"雇用主の社会保険料","No legal premium":"法定割増なし","German law sets no overtime premium; it comes from your contract or collective agreement (often 25%). Working time max 10 h/day, 48 h/week on average.":"ドイツの法律には時間外割増の定めがなく、契約または労働協約で決まります（多くは25%）。労働時間は1日最大10時間、週平均48時間。","Tax-free supplements":"非課税の手当","Night (up to 25%, 40% from 0–4h), Sunday (up to 50%) and holiday (up to 125%) supplements are free of tax (§3b EStG) and social insurance on hourly pay up to €25. This calculator treats night and Sunday premiums as tax-free.":"深夜（最大25%、0〜4時は40%）、日曜（最大50%）、祝日（最大125%）の手当は、時給€25までの部分について税金（§3b EStG）と社会保険が免除されます。この計算では深夜と日曜の割増を非課税として扱います。","Set by your CCNL":"CCNLで決定","Overtime premiums come from the national collective agreement, typically 15–30% (night and holiday more). Max 250 overtime hours a year unless the CCNL says otherwise; 48 h/week on average.":"時間外割増は全国労働協約で定められ、一般に15〜30%（深夜と祝日はより高い）。CCNLに別段の定めがない限り時間外労働は年最大250時間、週平均48時間。","Overtime is taxed and insured like normal pay, at your marginal IRPEF rate.":"時間外労働は通常の給与と同様に、限界IRPEF率で課税され保険料が課されます。","At least normal pay":"少なくとも通常の給与","Overtime must be paid at no less than the ordinary hourly rate (premium set by agreement) or compensated with time off within 4 months. Max 80 overtime hours a year.":"時間外労働は通常の時給以上で支払う（割増は協約で決定）か、4か月以内に代休で補償する必要があります。時間外労働は年最大80時間。","Tax and contributions":"税金と保険料","Taxed at your IRPEF rate; structural overtime carries an extra employee contribution of 2% (4.7% for non-structural).":"IRPEF率で課税されます。恒常的な時間外労働には従業員負担2%（非恒常的なものは4.7%）の追加保険料がかかります。","There is no statutory overtime rate; time-and-a-half is common by contract. Average pay must not fall below the National Living Wage (£12.71/h from April 2026). Working week max 48 h on average unless you opt out.":"法定の時間外割増率はなく、契約で1.5倍とするのが一般的です。平均賃金が全国生活賃金（2026年4月から時給£12.71）を下回ってはなりません。オプトアウトしない限り、週の労働時間は平均48時間まで。","Overtime is taxed and subject to National Insurance like normal pay.":"時間外労働は通常の給与と同様に課税され、国民保険の対象になります。","Overtime":"時間外労働","gross extra":"追加総支給","hourly rate":"時給","annual salary ÷ 52 ÷ weekly hours":"年収 ÷ 52 ÷ 週労働時間","net · ":"手取り · "," gross":" 総支給","of each taxed extra unit":"課税される追加1単位ごとの割合","10 h / day":"1日10時間","250 h / year":"年250時間","80 h / year":"年80時間","48 h / week avg":"週平均48時間","Legal limit":"法定上限","you exceed it":"上限を超えています","More than 80 overtime hours a year exceeds the legal limit in Spain.":"スペインでは年80時間を超える時間外労働は法定上限を超えます。","tax-free":"非課税","Health & care insurance + own pension":"健康・介護保険 + 自己年金","Self-employed quota (RETA)":"自営業者の保険料（RETA）","Freiberufler":"Freiberufler（自由業）","Income tax on profit with the same tariff, no employee tax allowances. Statutory health (14.6% + 2.9% extra) and care insurance on profit (minimum base €1,248.33/month), paid fully by you. No compulsory pension for most freelancers: save privately. Trade tax only for commercial (Gewerbe) activity.":"利益に同じ税率表で所得税、従業員向けの控除なし。法定健康保険（14.6% + 追加2.9%）と介護保険を利益に対して全額自己負担（最低基礎額月€1,248.33）。ほとんどのフリーランスには強制年金がないため、個人で貯蓄が必要。営業税は商業（Gewerbe）活動のみ。","Revenue up to €85,000: taxable income = revenue × profitability coefficient (78% for professionals); INPS Gestione Separata 26.07% on it; flat substitute tax 15% (5% in the first 5 years) after deducting INPS. Real expenses are not deductible. No VAT charged.":"売上€85,000まで：課税所得 = 売上 × 収益係数（専門職は78%）。それに対してINPS Gestione Separata 26.07%、INPS控除後に一律代替税15%（最初の5年間は5%）。実際の経費は控除不可。VATは請求しない。","Monthly RETA quota by real net yield: from €200 (up to €670/month) to €590 (above €6,000/month), 2025 table, 2026 slightly higher. IRPF on profit with the same scale, 5% hard-to-justify expenses (max €2,000), no work-income reduction.":"実際の純利益による月額RETA保険料：€200（月€670まで）から€590（月€6,000超）まで、2025年の表、2026年はやや高い。利益に同じ税率表でIRPF、証明困難な経費として5%（最大€2,000）、給与所得の減額なし。","Sole trader":"個人事業主","Income tax on profit with the same bands; Class 4 National Insurance 6% between £12,570 and £50,270, 2% above (Class 2 abolished from April 2024). No employer NI, holiday pay or redundancy.":"利益に同じ税率区分で所得税。クラス4国民保険は£12,570から£50,270まで6%、それを超える部分は2%（クラス2は2024年4月に廃止）。雇用主の国民保険、有給休暇の給与、整理解雇手当はなし。"," of employer cost":" 雇用主コストの"," of invoicing":" 請求額の","Paid leave, sick pay, severance, unemployment cover":"有給休暇、病気手当、退職金、失業保障","Above €85,000 the forfettario regime no longer applies.":"€85,000を超えると forfettario 制度は適用されません。","Expenses":"経費","Pension points":"年金ポイント","Each year earns your gross ÷ average pay (€51,944 in 2026), capped at €101,400. Monthly pension = points × €42.52 (pension value from July 2026, +4.24%).":"毎年、総支給 ÷ 平均給与（2026年は€51,944）のポイントを獲得、上限€101,400。月額年金 = ポイント × €42.52（2026年7月からの年金価値、+4.24%）。","Ages":"年齢","Regular age 67 (born 1964+), minimum 5 years. From 63 with 35 years: −0.3% per month early (max 14.4%). With 45 years: no cut from 65. Working past 67 adds 0.5% per month.":"通常年齢67歳（1964年以降生まれ）、最低5年。35年加入で63歳から：1か月早まるごとに−0.3%（最大14.4%）。45年加入なら65歳から減額なし。67歳以降も働くと1か月ごとに0.5%加算。","Deductions":"控除","Pensioners pay health (7.3% + half the extra rate) and full care insurance; the taxable share of the pension is 84% for 2026 retirees, rising 0.5 points a year.":"年金受給者は健康保険（7.3% + 追加料率の半分）と介護保険全額を負担。年金の課税対象割合は2026年の新規受給者で84%、毎年0.5ポイント上昇。","Contributory system":"拠出制度","33% of pay builds a notional capital, revalued with GDP growth. At retirement it is multiplied by the transformation coefficient for your age (5.608% at 67 in 2025–2026). Paid 13 times a year.":"給与の33%が名目資本を形成し、GDP成長率で再評価されます。退職時に年齢に応じた変換係数（2025〜2026年は67歳で5.608%）を掛けます。年13回払い。","Old-age pension at 67 with 20 years. Early: any age with 42 years 10 months (women 41y10m), or 64 with 20 years if the pension is at least 3× the social allowance.":"20年加入で67歳から老齢年金。繰上げ：42年10か月（女性は41年10か月）加入なら年齢を問わず、または年金が社会手当の3倍以上なら20年加入で64歳から。","Calculation":"計算","Base = average of contribution bases of the last 25 years ÷ 14 per month. 15 years give 50%, rising to 100% at 36.5 years. Max pension €3,359.60 × 14 (2026).":"基礎額 = 過去25年の保険料算定基礎の平均 ÷ 14（月あたり）。15年で50%、36.5年で100%に上昇。最高年金€3,359.60 × 14（2026年）。","Ordinary age 66y10m in 2026 and 67 from 2027, or 65 with 38.5 years. Voluntary early retirement up to 2 years before with 35 years, cut per month by contribution length; +4% per year for working past ordinary age.":"通常年齢は2026年は66歳10か月、2027年から67歳、または38.5年加入で65歳。35年加入なら最大2年前まで任意の繰上げが可能で、加入期間に応じて月ごとに減額。通常年齢以降も働くと年4%加算。","New State Pension":"新国家年金","£241.30 a week in 2026/27 with 35 qualifying years of National Insurance; at least 10 years for any pension; proportional in between. Rises each April by the triple lock.":"2026/27年は国民保険の資格年数35年で週£241.30。年金を受け取るには少なくとも10年必要で、その間は比例。毎年4月にトリプルロックで引き上げ。","State Pension age rises to 67 between 2026 and 2028, and to 68 for people born after April 1977 (current law). It cannot be taken early; deferring adds about 5.8% per year.":"国家年金の受給年齢は2026年から2028年にかけて67歳に、1977年4月以降生まれは68歳に引き上げられます（現行法）。繰上げ受給はできず、繰下げると年約5.8%加算。","gross":"総額","pension share, whole career":"年金割合、全キャリア","of your own contributions":"自分の保険料の","Claim age":"請求年齢","Status":"状態","Net / month":"月額手取り","Net / year":"年額手取り","Your pension contributions":"あなたの年金保険料","Including employer":"雇用主分を含む","Lifetime pension ÷ your contributions":"生涯年金 ÷ 自分の保険料","UK National Insurance also funds other benefits, so \"contributions\" here overstate what pays for the pension.":"英国の国民保険は他の給付の財源にもなっているため、ここでの「保険料」は年金に充てられる額より多めに示されています。","Amounts in today’s money; pensions assumed to keep pace with inflation.":"金額は現在の貨幣価値。年金はインフレに連動すると仮定。","Entgeltumwandlung (bAV): up to 8% of the pension ceiling (€8,112 in 2026) is tax-free and up to 4% (€4,056) also free of social insurance. The employer must add 15% of the converted amount when it saves contributions. Payouts are fully taxed and subject to health/care insurance. Converting lowers your future state pension slightly.":"Entgeltumwandlung（bAV）：年金保険料上限の8%（2026年は€8,112）まで非課税、そのうち4%（€4,056）までは社会保険料も免除。雇用主は保険料を節約する場合、転換額の15%を上乗せしなければなりません。受け取りは全額課税され、健康・介護保険の対象です。転換すると将来の公的年金がわずかに減ります。","Fondo pensione: contributions (yours + employer) are deductible up to €5,164.57 a year; TFR can flow into the fund on top. Payouts are taxed at 15%, falling 0.3 points per year of membership after 15 years, down to 9%. Up to 50% can be taken as a lump sum at retirement.":"Fondo pensione：拠出（自分 + 雇用主）は年€5,164.57まで控除可能。TFRを上乗せで基金に移すこともできます。受け取りは15%で課税され、加入15年以降は1年ごとに0.3ポイント下がり、最低9%。退職時に最大50%を一時金で受け取れます。","Planes de pensiones: contributions reduce the IRPF base up to €1,500 (individual) plus up to €8,500 through an employment plan (€10,000 total with the employer). Payouts are taxed as work income at your rate then; the 40% lump-sum reduction only applies to pre-2007 money.":"Planes de pensiones：拠出は個人で€1,500まで、加えて職域プランで€8,500まで（雇用主と合わせて計€10,000）IRPFの課税ベースを減らします。受け取りはその時点の税率で給与所得として課税され、一時金の40%減額は2007年以前の資金にのみ適用されます。","Salary sacrifice: the sacrificed pay is free of income tax and employee NI (8%/2%); the employer saves 15% NI and may pass some on. Annual allowance £60,000. At retirement 25% is tax-free and the rest taxed as income. From April 2029 the NI saving is planned to be capped at £2,000 a year.":"Salary sacrifice：犠牲にした給与には所得税と従業員の国民保険（8%/2%）がかかりません。雇用主は15%の国民保険を節約し、一部を還元する場合があります。年間拠出枠£60,000。退職時に25%が非課税で、残りは所得として課税。2029年4月から国民保険の節約額は年£2,000に上限が設けられる予定です。","Deductible up to €5,164.57 a year, yours plus employer’s.":"自分と雇用主の分を合わせて年€5,164.57まで控除可能。","Reduces the tax base up to €10,000 a year including the employer (employment plan).":"雇用主分を含め年€10,000まで課税ベースを減らします（職域プラン）。","Salary sacrifice: no income tax or NI on the sacrificed pay. Annual allowance £60,000.":"Salary sacrifice：犠牲にした給与には所得税も国民保険もかかりません。年間拠出枠£60,000。","Saved this year":"今年の節約額","tax + social security":"税金 + 社会保険料","Gross / year (incl. bonus)":"年額総支給（賞与込み）","Your contribution":"あなたの拠出","TFR into the fund":"基金へのTFR","Your contribution / year":"年間のあなたの拠出","Relieved from tax":"税の軽減対象","Free of social security":"社会保険料免除","Payout tax & charges":"受け取り時の税・負担","New Year":"元日","Ascension Day":"キリスト昇天祭","German Unity Day":"ドイツ統一の日","2nd Christmas Day":"クリスマス第2日","Liberation Day":"解放記念日","Republic Day":"共和国記念日","Ferragosto":"フェラゴスト","All Saints":"諸聖人の日","Immaculate Conception":"無原罪の御宿り","St Stephen":"聖ステファノの日","Assumption":"聖母被昇天","National Day":"ナショナルデー","Constitution Day":"憲法記念日","Early May bank holiday":"5月初めのバンクホリデー","Spring bank holiday":"春のバンクホリデー","Summer bank holiday":"夏のバンクホリデー","Federal Leave Act (BUrlG): at least 24 working days on a 6-day week (20 on 5 days); most contracts give 30. Carry-over to 31 March. National holidays shown; states add 1–4 more (Bavaria up to 13 in total).":"連邦休暇法（BUrlG）：週6日制で少なくとも24労働日（週5日制で20日）。多くの契約では30日。繰越は3月31日まで。表示は全国共通の祝日で、州によって1〜4日追加（バイエルンは合計最大13日）。","Maternity protection (Mutterschutz)":"母性保護（Mutterschutz）","6 weeks before and 8 after birth":"出産前6週と出産後8週","Full net pay (health insurer + employer)":"手取り全額（健康保険 + 雇用主）","Parental allowance (Elterngeld)":"両親手当（Elterngeld）","12 months, +2 if both parents take part; ElterngeldPlus doubles duration at half rate":"12か月、両親とも取得すれば+2か月。ElterngeldPlusは半額で期間が2倍","65–67% of net, €300–1,800/month":"手取りの65〜67%、月€300〜1,800","Parental leave (Elternzeit)":"育児休業（Elternzeit）","Up to 3 years per parent until the child is 8":"子どもが8歳になるまで親1人につき最大3年","Unpaid, job protected":"無給、雇用は保護","Sick child days":"子どもの看護日","15 days per child per parent in 2026 (max 35; single parents 30/70), child under 12":"2026年は子ども1人・親1人につき15日（最大35日、ひとり親は30/70日）、12歳未満の子ども","Kinderkrankengeld ≈ 90% of net":"子ども看護手当 ≈ 手取りの90%","Care leave":"介護休暇","10 days short-term for a relative; up to 6 months Pflegezeit":"親族のための短期休暇10日、最大6か月の介護休業（Pflegezeit）","Care support allowance / unpaid":"介護支援手当 / 無給","Sick pay":"病気手当","6 weeks full pay from the employer, then Krankengeld":"雇用主から6週間は給与全額、その後は傷病手当（Krankengeld）","100%, then 70% gross (max 90% net)":"100%、その後総支給の70%（手取りの最大90%）","Special leave (§616 BGB)":"特別休暇（§616 BGB）","Short paid absences for own wedding, birth, death in family (by contract, often 1–2 days)":"本人の結婚、出産、家族の死亡時の短い有給休暇（契約により、多くは1〜2日）","At least 4 weeks a year (Legislative Decree 66/2003), 2 of them consecutive in the year; CCNLs often give 26 days on a 6-day week plus ROL / ex-festività leave hours (often ~100 h/year). Plus the local patron saint’s day.":"年に少なくとも4週間（立法令66/2003）、うち2週間はその年に連続して取得。CCNLでは週6日制で26日に加え、ROL / ex-festività の休暇時間（多くは年約100時間）を認めることが多い。地元の守護聖人の日も加わります。","5 months (2 before + 3 after, or 0 + 5)":"5か月（出産前2か月 + 出産後3か月、または0 + 5）","80% of pay (often topped up to 100% by CCNL)":"給与の80%（CCNLで100%まで上乗せされることが多い）","10 working days, from 2 months before to 5 after birth":"10労働日、出産2か月前から5か月後まで","Up to 10 months between parents (11 if the father takes 3), until the child is 12":"両親で最大10か月（父親が3か月取得すれば11か月）、子どもが12歳になるまで","3 months at 80% (until age 6), then 30%":"3か月は80%（6歳まで）、その後30%","Breastfeeding rest":"授乳休憩","2 hours a day (1 if part-time) in the first year":"1年目は1日2時間（パートタイムは1時間）","Sick child leave":"子どもの看護休暇","Unlimited under 3; 10 days a year from 3 to 14 (2026)":"3歳未満は無制限。3歳から14歳までは年10日（2026年）","Law 104 leave":"法律104号の休暇","3 days a month to care for a relative with serious disability":"重度障害のある親族の介護のため月3日","Paid by INPS":"INPSが支給","Marriage leave":"結婚休暇","15 calendar days":"暦日15日","3 days a year":"年3日","30 calendar days a year (Workers’ Statute art. 38), about 22 working days on a 5-day week; cannot be replaced by money except on leaving. 14 public holidays a year in total: the national ones shown plus regional and 2 local days.":"年30暦日（労働者憲章第38条）、週5日制で約22労働日。退職時を除き金銭に替えることはできません。祝日は年14日：表示の全国共通の祝日に加え、州の祝日と地域の2日。","Birth and care leave":"出産・育児休業","19 weeks for each parent: 6 compulsory after birth, 11 flexible within 12 months, 2 until age 8":"両親それぞれ19週：出産後6週は義務、11週は12か月以内に柔軟に、2週は8歳まで","100% of contribution base (Social Security)":"保険料算定基礎の100%（社会保障）","Breastfeeding leave":"授乳休暇","1 hour a day until 9 months, or about 15 days accumulated":"9か月まで1日1時間、またはまとめて約15日","8 weeks until the child is 8":"子どもが8歳になるまで8週間","Reduced hours for childcare":"育児のための短時間勤務","Cut working time by 1/8 to 1/2 for a child under 12":"12歳未満の子どものため労働時間を1/8から1/2短縮","Pay reduced proportionally":"給与は比例して減額","Force majeure":"不可抗力","Up to 4 days a year for urgent family reasons":"家族の緊急事態のため年最大4日","Family illness or death":"家族の病気・死亡","5 days (serious illness, hospitalisation); 2 days for death (4 if travel)":"5日（重病、入院）。死亡時は2日（移動を伴う場合は4日）","Marriage":"結婚","5.6 weeks a year (28 days on a 5-day week, capped at 28) under the Working Time Regulations; employers may count the 8 bank holidays within it. Holidays shown are England & Wales.":"労働時間規則により年5.6週（週5日制で28日、上限28日）。雇用主は8日のバンクホリデーをこれに含めることができます。表示はイングランドとウェールズの祝日です。","52 weeks, 39 of them paid":"52週、うち39週は有給","6 weeks at 90%, then £194.32/week (SMP 2026/27)":"6週間は90%、その後週£194.32（SMP 2026/27）","2 weeks within 52 weeks of birth":"出産後52週以内に2週間","£194.32/week or 90% if lower":"週£194.32、またはそれより低ければ90%","Shared parental leave":"共有育児休業","Up to 50 weeks shared, 37 paid":"共有で最大50週、うち37週は有給","£194.32/week":"週£194.32","Unpaid parental leave":"無給の育児休業","18 weeks per child until 18, max 4 weeks a year":"子ども1人につき18歳まで18週、年最大4週","Time off for dependants":"扶養家族のための休暇","Reasonable time for emergencies":"緊急時の合理的な時間","Usually unpaid":"通常は無給","Carer’s leave":"介護者休暇","1 week a year":"年1週間","Statutory sick pay":"法定傷病手当","Up to 28 weeks":"最大28週","£123.25/week":"週£123.25","national, on working days":"全国共通、平日","leave + holidays":"休暇 + 祝日","at your daily pay":"日給換算で","Legal minimum":"法定最低","Your contract":"あなたの契約","You are entitled to":"あなたの権利","Notice (§622 BGB)":"解雇予告（§622 BGB）","Employer notice: 4 weeks, then 1 month after 2 years, 2 after 5, 3 after 8, 4 after 10, 5 after 12, 6 after 15, 7 after 20 years, to the month end. Employee: 4 weeks.":"雇用主からの予告：4週間、勤続2年後は1か月、5年後2か月、8年後3か月、10年後4か月、12年後5か月、15年後6か月、20年後7か月、いずれも月末まで。従業員：4週間。","No general legal right. In practice settled at about 0.5 month’s pay per year of service (§1a KSchG). Taxed as income using the one-fifth rule (now claimed in the annual return), no social insurance.":"一般的な法的権利はありません。実務上は勤続1年につき約0.5か月分の給与で和解します（§1a KSchG）。5分の1ルールを用いて所得として課税され（現在は確定申告で申請）、社会保険料はかかりません。","Unemployment benefit (ALG I)":"失業給付（ALG I）","60% of net pay (67% with children) for 12 months, up to 24 from age 58 with long insurance. Resigning triggers a 12-week block.":"手取りの60%（子どもがいれば67%）を12か月、長期加入なら58歳から最大24か月。自己都合退職では12週間の支給停止。","Every year the employer sets aside pay ÷ 13.5 (less 0.5%), revalued at 1.5% + 75% of inflation; paid on any termination and taxed separately at your average rate.":"雇用主は毎年、給与 ÷ 13.5（0.5%を差し引く）を積み立て、1.5% + インフレ率の75%で再評価します。あらゆる退職時に支払われ、平均税率で分離課税されます。","Unfair dismissal (Jobs Act)":"不当解雇（Jobs Act）","For contracts from 2015: 2 months’ pay per year of service, minimum 6, maximum 36 (smaller firms less).":"2015年以降の契約：勤続1年につき給与2か月分、最低6か月、最大36か月（小規模企業はより少ない）。","75% of average monthly pay up to €1,456.72 plus 25% above, max €1,584.70 (2026); for half the weeks worked in the last 4 years (max 24 months), falling 3% a month from the 6th month. Not after resignation.":"平均月給の€1,456.72までの75%に、それを超える部分の25%を加え、最大€1,584.70（2026年）。過去4年間に働いた週数の半分（最大24か月）、6か月目から毎月3%減少。自己都合退職では対象外。","Unfair dismissal: 33 days’ pay per year (45 for service before 12/02/2012), max 24 months. Objective dismissal: 20 days per year, max 12 months. End of temporary contract: 12 days per year. Tax-free up to the legal amount (max €180,000).":"不当解雇：勤続1年につき33日分の給与（2012年2月12日以前の勤続分は45日）、最大24か月。客観的理由による解雇：1年につき20日、最大12か月。有期契約の終了：1年につき12日。法定額まで非課税（最大€180,000）。","Final settlement (finiquito)":"最終精算（finiquito）","Unused holidays and the pro-rata part of the extra payments are always paid. Objective dismissal requires 15 days’ notice.":"未消化の休暇と特別支給の按分は必ず支払われます。客観的理由による解雇には15日前の予告が必要です。","Unemployment benefit (paro)":"失業給付（paro）","70% of the base for 6 months, 60% to month 12, then 50%; between ~€560 and €1,225–1,575 a month; 4 to 24 months depending on contributions in the last 6 years. Not after resignation.":"基礎額の70%を6か月、12か月目まで60%、その後50%。月約€560から€1,225〜1,575の間。過去6年間の保険料納付に応じて4〜24か月。自己都合退職では対象外。","Statutory redundancy":"法定整理解雇手当","After 2 years: for each full year (max 20) ½ week’s pay under 22, 1 week 22–40, 1½ weeks from 41; weekly pay capped at £751 (max £22,530). First £30,000 of termination payments is tax-free.":"勤続2年後：満1年ごとに（最大20年）、22歳未満は週給の½、22〜40歳は1週分、41歳からは1½週分。週給の上限£751（最大£22,530）。退職関連の支払いのうち最初の£30,000は非課税。","At least 1 week after a month, then 1 week per full year up to 12 weeks. Pay in lieu of notice is taxed as earnings.":"勤続1か月後は少なくとも1週間、その後は満1年ごとに1週間、最大12週間。予告に代わる支払いは給与として課税されます。","About £95.55 a week (25+, estimate 2026/27) for up to 182 days if you have enough NI contributions.":"国民保険の納付が十分なら、最長182日間、週約£95.55（25歳以上、2026/27年の推計）。","4 weeks":"4週間","Settlement (Abfindung)":"和解金（Abfindung）","yrs":"年","mo pay (typical)":"か月分の給与（目安）","Settlement":"和解金","Notice paid in lieu":"予告に代わる支払い","Unfair-dismissal indemnity":"不当解雇の補償金","15 days":"15日","Extra payment, pro rata":"特別支給、按分","Days per year":"年あたりの日数","Maximum":"上限","Unfair":"不当","before 2012":"2012年以前","Objective":"客観的","Temporary contract end":"有期契約の終了","statutory minimum":"法定最低","£95.55 / week for 26 weeks (estimate)":"週£95.55を26週間（推計）","Age in each year":"各年の年齢","Weeks per year":"年あたりの週数","under 22":"22歳未満","Weekly pay cap":"週給の上限","TFR + indemnity":"TFR + 補償金","net":"手取り","Each extra <b>{h}</b> of gross pay leaves you <b>{k}</b> net: {p} goes to tax and social security.":"総支給が <b>{h}</b> 増えるごとに手取りは <b>{k}</b> 増えます：{p} は税金と社会保険料になります。","You are <b>{d}</b> below the next tax band ({a} → {b}).":"次の税率区分まであと <b>{d}</b> です（{a} → {b}）。","You are in the top tax band ({a}).":"最高税率区分（{a}）にいます。","Your tax credit ({c}) shrinks by 20 for every 1,000 of taxable income above 12,000, which adds 2 points to your marginal rate until it reaches zero at {z}.":"税額控除（{c}）は課税所得が12,000を超える1,000ごとに20減り、ゼロになる {z} まで限界税率が2ポイント上がります。","Putting 10% of your salary ({c} a year) into a group pension plan would cut your income tax by about <b>{s}</b> a year (see the Private pension tab).":"給与の10%（年 {c}）を団体年金プランに拠出すると、所得税が年約 <b>{s}</b> 減ります（「個人年金」タブを参照）。","You are paying a <b>{p}</b> penalty for not spending 30% of your income electronically. Spending another {q} by card would avoid it.":"収入の30%を電子決済で支払っていないため、<b>{p}</b> のペナルティを支払っています。さらに {q} をカードで支払えば回避できます。","Keep spending at least <b>{q}</b> a year by card or e-payment (30% of your income, max 20,000), or a 22% penalty applies to the shortfall.":"年に少なくとも <b>{q}</b>（収入の30%、最大20,000）をカードや電子決済で支払い続けてください。不足分には22%のペナルティがかかります。","Your bonus is taxed at your top rate: you keep <b>{n}</b> of {b} ({p}).":"賞与は最高税率で課税されます：{b} のうち <b>{n}</b> が手元に残ります（{p}）。","Another child would lower your yearly tax by about <b>{s}</b>.":"子どもがもう1人いると、年間の税金が約 <b>{s}</b> 減ります。","Under 26 in 2026: 0% income tax on the first 20,000 of taxable income.":"2026年に26歳未満：課税所得の最初の20,000まで所得税0%。","Aged 26–30 in 2026: the 10,000–20,000 band is taxed at 9% instead of 20%.":"2026年に26〜30歳：10,000〜20,000の区分は20%ではなく9%で課税。","Moving your tax residence back to Greece after 5+ years abroad? Art. 5C would save about <b>{s}</b> a year for 7 years.":"5年以上の海外居住後にギリシャへ税務上の居住地を戻しますか？第5条Cにより7年間、年約 <b>{s}</b> の節税になります。","You are entitled to {n} paid school-visit days a year (4 per school-age child): see the Leave tab.":"年 {n} 日の有給の学校訪問日（学齢期の子ども1人につき4日）があります。「休暇」タブを参照してください。","Converting 4% of your salary ({c} a year) into a company pension (bAV) saves about <b>{s}</b> in tax and social insurance, and your employer must add {e}.":"給与の4%（年 {c}）を企業年金（bAV）に転換すると、税金と社会保険料が約 <b>{s}</b> 節約され、雇用主は {e} を上乗せしなければなりません。","Paying the maximum deductible {c} a year into a pension fund saves about <b>{s}</b> of income tax.":"控除上限の年 {c} を年金基金に拠出すると、所得税が約 <b>{s}</b> 節約されます。","Paying {c} a year into a personal pension plan lowers your IRPF by about <b>{s}</b>.":"個人年金プランに年 {c} を拠出すると、IRPFが約 <b>{s}</b> 下がります。","A 5% salary-sacrifice pension contribution ({c} a year) saves about <b>{s}</b> in income tax and National Insurance.":"給与の5%をsalary sacrificeで年金に拠出すると（年 {c}）、所得税と国民保険が約 <b>{s}</b> 節約されます。","Moving to Italy from abroad? The impatriati regime would add about <b>{s}</b> a year to your net pay for 5 years.":"海外からイタリアへ移住しますか？impatriati制度で5年間、手取りが年約 <b>{s}</b> 増えます。","Moving to Spain from abroad? The Beckham law (flat 24%) would add about <b>{s}</b> a year to your net pay.":"海外からスペインへ移住しますか？ベッカム法（一律24%）で手取りが年約 <b>{s}</b> 増えます。","At this salary the Beckham law (flat 24%) would not help: the normal scale is cheaper.":"この給与ではベッカム法（一律24%）は役に立ちません。通常の税率表のほうが安くなります。","Church tax costs you <b>{s}</b> a year.":"教会税で年 <b>{s}</b> の負担があります。","On top of your salary you receive Kindergeld of <b>{a}</b> a year.":"給与に加えて、年 <b>{a}</b> の児童手当（Kindergeld）を受け取ります。","Between £100,000 and £125,140 you lose your personal allowance, an effective 60% rate. A pension contribution through salary sacrifice can bring you back below £100,000.":"£100,000から£125,140の間では基礎控除がなくなり、実効税率は60%になります。salary sacrificeによる年金拠出で£100,000未満に戻せます。","Above £60,000 the High Income Child Benefit Charge claws back child benefit (all of it at £80,000).":"£60,000を超えると、高所得者児童手当課税により児童手当が返還されます（£80,000で全額）。","Your region matters: compared with your current choice, Madrid would give you {m} and Catalonia {c} a year.":"州によって違います：現在の選択と比べて、マドリードなら年 {m}、カタルーニャなら年 {c} です。","Your marginal rate is unusually high here because a tax deduction is being phased out as income rises.":"所得の増加とともに税控除が段階的に縮小しているため、ここでは限界税率が異常に高くなっています。","Enter your partner’s gross salary to see the household together.":"世帯全体を見るには、パートナーの総支給を入力してください。","Assegno Unico per child / month":"子ども1人あたりのAssegno Unico / 月","Partner":"パートナー","Household":"世帯","Net / month (÷12)":"月額手取り（÷12）","Child benefit / year":"児童手当 / 年","Childcare / year":"保育費 / 年","Household money / month":"世帯の月額資金","Child benefit (Α21) uses the combined family income.":"子ども手当（Α21）は世帯の合計所得を使います。","Assegno Unico depends on your ISEE: from 58.50 to 204.40 per child per month in 2026. Enter yours.":"Assegno UnicoはISEEによって異なり、2026年は子ども1人あたり月58.50から204.40です。ご自身の値を入力してください。","Spain has no universal child benefit; family relief comes through IRPF allowances.":"スペインには普遍的な児童手当はなく、家族への支援はIRPFの控除を通じて行われます。","Child benefit £27.05 a week for the first child and £17.90 for each other child (2026/27), reduced above £60,000 for the higher earner.":"児童手当は第1子が週£27.05、その他の子どもは1人につき£17.90（2026/27年）。高所得者側の収入が£60,000を超えると減額。","Kindergeld €259 per child per month (2026).":"児童手当（Kindergeld）子ども1人あたり月€259（2026年）。","Tax classes for married couples":"夫婦の税クラス","Classes IV / IV: household net per month":"クラスIV / IV：世帯の月額手取り","Classes III / V: household net per month":"クラスIII / V：世帯の月額手取り","Final yearly tax with joint filing (splitting)":"合算申告（分割課税）による最終的な年間税額","Tax if each of you were assessed alone":"それぞれ個別に課税された場合の税額","III/V or IV/IV only changes how much is withheld each month; the tax return settles both to the same joint tax. Splitting saves {s} a year compared with being taxed individually. The class V figure is an approximation.":"III/VかIV/IVかは毎月の源泉徴収額を変えるだけで、確定申告で両方とも同じ合算税額に精算されます。分割課税は個別課税に比べて年 {s} 節約になります。クラスVの数値は概算です。","Two years of your salary":"2つの年のあなたの給与","Your salary in both years, in the same money":"両方の年の給与を同じ貨幣価値で","Key takeaways":"要点","What you needed to earn each year to keep up with prices":"物価に追いつくために各年に必要だった収入","The numbers":"数値","Same money, different countries: where purchasing power fell most":"同じお金、異なる国：購買力が最も下がったのはどこか","Enter your gross monthly salary in a recent year and in an earlier year (up to 20 years before). Prices are the national consumer price index of the country selected above.":"最近の年とそれより前の年（最大20年前）の月額総支給を入力してください。物価は上で選択した国の全国消費者物価指数です。","Recent year":"最近の年","Gross / month in the recent year":"最近の年の月額総支給","Earlier year (up to 20 years before)":"以前の年（最大20年前）","Gross / month in the earlier year":"以前の年の月額総支給","Amount to compare (in each country’s currency)":"比較する金額（各国の通貨で）","Purchasing power {a} → {b} · {c}":"購買力 {a} → {b} · {c}","Your net pay buys {p} more than in {a}":"手取りで {a} 年より {p} 多く買えます","Your net pay buys {p} less than in {a}":"手取りで {a} 年より {p} 少なくしか買えません","Your gross pay buys {p} more than in {a}":"総支給で {a} 年より {p} 多く買えます","Your gross pay buys {p} less than in {a}":"総支給で {a} 年より {p} 少なくしか買えません","Prices":"物価","{x} in {a} = {y} in {b}":"{a}年の {x} = {b}年の {y}","Your pay, nominal":"名目の給与","{x} → {y} gross / month":"月額総支給 {x} → {y}","Your {a} salary in {b} money":"{a}年の給与を{b}年の貨幣価値で","gross / month you need to keep up":"追いつくために必要な月額総支給","Gross needed for the same real net":"同じ実質手取りに必要な総支給","per month in {b}, to take home as much as in {a}":"{b}年の月額、{a}年と同じ手取りを得るには","Gap per month":"月あたりの差","{y} a year":"年 {y}","{a} as paid":"{a}年、支払額どおり","{a} in {b} money":"{a}年を{b}年の貨幣価値で","Net / month (regular salary)":"月額手取り（通常の給与）","Kept after tax and contributions":"税金と保険料を引いた後に残る割合","Real change":"実質変化","Salary needed to keep your {a} purchasing power":"{a}年の購買力を保つのに必要な給与","Your salary ({a} and {b})":"あなたの給与（{a}年と{b}年）","Prices in {c} rose <b>{p}</b> between {a} and {b}: what cost {x} in {a} cost {y} in {b}.":"{c}の物価は{a}年から{b}年の間に <b>{p}</b> 上昇しました：{a}年に {x} だったものが{b}年には {y} でした。","Your gross pay changed by {s} while prices rose {p}: in real terms you earn <b>{r} more</b>.":"物価が {p} 上昇する一方で総支給は {s} 変化しました：実質で <b>{r} 多く</b> 稼いでいます。","Your gross pay changed by {s} while prices rose {p}: in real terms you earn <b>{r} less</b>, like a pay cut of {m} a month in {b} money.":"物価が {p} 上昇する一方で総支給は {s} 変化しました：実質で <b>{r} 少なく</b> 稼いでおり、{b}年の貨幣価値で月 {m} の減給に相当します。","Tax and EFKA: you kept {k1} of your gross in {a} and {k2} in {b}, so your real net pay changed by <b>{rn}</b> (gross: {rg}).":"税金とEFKA：総支給のうち{a}年は {k1}、{b}年は {k2} が手元に残ったため、実質手取りは <b>{rn}</b> 変化しました（総支給：{rg}）。","To take home the same real net pay as in {a}, you would need <b>{g}</b> gross a month in {b}; you earn {d} more than that.":"{a}年と同じ実質手取りを得るには、{b}年に月 <b>{g}</b> の総支給が必要です。実際はそれより {d} 多く稼いでいます。","To take home the same real net pay as in {a}, you would need <b>{g}</b> gross a month in {b}; you earn {d} less than that.":"{a}年と同じ実質手取りを得るには、{b}年に月 <b>{g}</b> の総支給が必要です。実際はそれより {d} 少なく稼いでいます。","<b>{m} months</b> of work in {b} buy what a full year of work bought in {a}.":"{b}年の <b>{m} か月</b> の労働で、{a}年の丸1年の労働と同じものが買えます。","The biggest yearly price rise in this period was {v} in {y}; prices fell in {n} of the years.":"この期間で最大の年間物価上昇は{y}年の {v} でした。{n} 年は物価が下がりました。","The biggest yearly price rise in this period was {v} in {y}.":"この期間で最大の年間物価上昇は{y}年の {v} でした。","Average inflation was {v} a year; at that pace prices double every {d} years.":"平均インフレ率は年 {v} でした。このペースでは物価は {d} 年ごとに2倍になります。","Type your gross salary for {a}. Until you do, the earlier salary is the one that would have kept the same purchasing power ({v}), so the result shows no change.":"{a}年の総支給を入力してください。入力するまでは、以前の給与は同じ購買力を保ったはずの額（{v}）になるため、結果に変化は表示されません。","Net pay over time is calculated only for Greece, where the app holds the tax and EFKA rules of every year since 2006. For {c} this comparison uses gross pay.":"時系列の手取りはギリシャについてのみ計算されます。アプリには2006年以降の毎年の税金とEFKAの規則があるためです。{c}についてはこの比較は総支給を使います。","The same amount of money in {a} and in {b}, in each country’s own currency (pounds for the UK). The only difference is local inflation: the higher it was, the more purchasing power savings and frozen salaries lost.":"{a}年と{b}年の同じ金額を、各国の通貨（英国はポンド）で比較します。違いは国内のインフレだけで、インフレが高いほど貯蓄や据え置かれた給与は購買力を失いました。","Biggest loss of purchasing power":"購買力の損失が最大","Smallest loss":"損失が最小","{v} of the value gone":"価値の {v} が失われた","{c}: rank":"{c}：順位","{n} of 5":"5か国中 {n} 位","1 = biggest loss":"1 = 最大の損失","Purchasing power lost, {a} → {b}":"失われた購買力、{a} → {b}","What money from {a} is worth over time (% of what it bought in {a})":"{a}年のお金の価値の推移（{a}年に買えたものに対する %）","Prices {a} → {b}":"物価 {a} → {b}","{x} in {a} = in {b}":"{a}年の {x} = {b}年では","{x} kept since {a} is worth":"{a}年から保有する {x} の価値","Purchasing power lost":"失われた購買力","Average inflation / year":"年平均インフレ率","Highest year":"最も高かった年","Purchasing power fell most in <b>{c1}</b>: {x} kept since {a} buys only what {v1} bought then. It fell least in <b>{c2}</b> ({v2}).":"購買力が最も下がったのは <b>{c1}</b> で、{a}年から保有する {x} では当時の {v1} 分しか買えません。最も下がらなかったのは <b>{c2}</b>（{v2}）です。","Inflation: annual average of the national consumer price index. ELSTAT (Greece, editable in the Assumptions table of the Salary tab), Destatis VPI (Germany), ISTAT NIC (Italy), INE IPC (Spain), ONS CPI (UK). 2026 is an estimate from data to August and the European Commission spring 2026 and Bank of England August 2026 forecasts. Checked October 2026.":"インフレ率：全国消費者物価指数の年平均。ELSTAT（ギリシャ、「給与」タブの前提条件の表で編集可）、Destatis VPI（ドイツ）、ISTAT NIC（イタリア）、INE IPC（スペイン）、ONS CPI（英国）。2026年は8月までのデータと欧州委員会2026年春およびイングランド銀行2026年8月の予測に基づく推計。2026年10月確認。","The average salary in each country: what it really buys":"各国の平均給与：実際に何が買えるか","Average gross salary per full-time employee, as paid in each country, and its purchasing power: converted with purchasing power parities into the same basket of goods, so a higher number really buys more. Years follow your choice above (OECD data go up to {l}).":"フルタイム従業員1人あたりの平均総支給（各国で支払われた額）とその購買力：購買力平価で同じ商品バスケットに換算しているため、数値が高いほど実際に多く買えます。年は上の選択に従います（OECDのデータは{l}年まで）。","Highest purchasing power, {y}":"購買力が最も高い国、{y}","Lowest purchasing power, {y}":"購買力が最も低い国、{y}","buys {x}× the average salary in {c}":"{c}の平均給与の {x} 倍買える","{v} in purchasing power a year":"年間購買力 {v}","Biggest real gain, {a} → {b}":"実質の伸びが最大、{a} → {b}","Biggest real fall, {a} → {b}":"実質の下落が最大、{a} → {b}","Smallest real gain, {a} → {b}":"実質の伸びが最小、{a} → {b}","Purchasing power of the average salary, {a}–{b}":"平均給与の購買力、{a}〜{b}","Average salary in {y}, in purchasing power (Greece = 100)":"{y}年の平均給与、購買力（ギリシャ = 100）","Purchasing power (2025 PPP dollars)":"購買力（2025年PPPドル）","Index, Greece = 100":"指数、ギリシャ = 100","Average salary {y} (as paid)":"{y}年の平均給与（支払額）","Per month {y} (÷12)":"{y}年の月額（÷12）","Change as paid":"支払額の変化","Real change (after inflation)":"実質変化（インフレ調整後）","Purchasing power {y}":"{y}年の購買力","Greece = 100":"ギリシャ = 100","Rank":"順位","With the average salary, purchasing power in {y} was highest in <b>{c1}</b> and lowest in <b>{c2}</b>: the average salary in {c1} buys <b>{x}×</b> what the average salary in {c2} buys.":"平均給与での{y}年の購買力は <b>{c1}</b> が最も高く、<b>{c2}</b> が最も低くなりました：{c1}の平均給与では{c2}の平均給与の <b>{x} 倍</b> 買えます。","From {a} to {b} its purchasing power rose most in <b>{c3}</b> ({r3}) and least in <b>{c4}</b> ({r4}).":"{a}年から{b}年にかけて、購買力の伸びは <b>{c3}</b>（{r3}）が最大、<b>{c4}</b>（{r4}）が最小でした。","From {a} to {b} its purchasing power rose most in <b>{c3}</b> ({r3}) and fell most in <b>{c4}</b> ({r4}).":"{a}年から{b}年にかけて、購買力の伸びは <b>{c3}</b>（{r3}）が最大で、下落は <b>{c4}</b>（{r4}）が最大でした。","From {a} to {b} its purchasing power fell least in <b>{c3}</b> ({r3}) and most in <b>{c4}</b> ({r4}).":"{a}年から{b}年にかけて、購買力の下落は <b>{c3}</b>（{r3}）が最小、<b>{c4}</b>（{r4}）が最大でした。","Your gross salary of {v} a year is <b>{p}</b> of the average salary in {c} ({a}, {y}).":"年 {v} のあなたの総支給は、{c}の平均給与（{a}、{y}年）の <b>{p}</b> です。","{y} has no OECD figure yet, so {l} is used for the recent year.":"{y}年のOECDの数値はまだないため、最近の年には{l}年を使います。","Source: OECD, Average annual wages (AV_AN_WAGE, 2025 release): gross wage per full-time equivalent employee in the whole economy. Purchasing power uses OECD constant 2025 prices and 2025 US dollar purchasing power parities, which remove price-level differences between countries. Real change uses constant national prices. As paid is in each country’s own currency (pounds for the UK). These are averages, which are pulled up by high earners; the typical (median) worker earns less.":"出典：OECD、Average annual wages（AV_AN_WAGE、2025年版）：経済全体のフルタイム換算従業員1人あたりの総賃金。購買力はOECDの2025年固定価格と2025年米ドル購買力平価を使い、国ごとの物価水準の差を取り除いています。実質変化は各国の固定価格を使います。支払額は各国の通貨（英国はポンド）です。これらは平均値で、高所得者によって押し上げられます。典型的な（中央値の）労働者の収入はこれより少なくなります。","Housing (rent or mortgage)":"住居（家賃または住宅ローン）","Food and groceries":"食料品","Transport and car":"交通・自動車","Bills (power, water, phone, internet)":"光熱・通信費（電気、水道、電話、インターネット）","Children and school":"子ども・学校","Leisure and eating out":"レジャー・外食","Loan repayments (not the home)":"ローン返済（住宅以外）","Other":"その他","Vacations (per year)":"休暇旅行（年額）","Financial planner":"ファイナンシャルプランナー","Your money":"あなたのお金","Monthly expenses (net amounts)":"月々の支出（手取りベース）","Financial health":"家計の健全性","When could you stop working?":"いつ働くのをやめられるか","Your savings over the years":"貯蓄の推移","Where you could spend less":"支出を減らせる項目","More ideas for you":"その他のアイデア","Amounts in today’s money. The planner uses the country, children and pension settings of the other tabs, and the state pension rules of the selected country.":"金額は現在の貨幣価値です。プランナーは他のタブの国、子ども、年金の設定と、選択した国の公的年金の規則を使います。","Gross / month now":"現在の月額総支給","Years worked so far":"これまでの勤続年数","Average gross / month so far":"これまでの平均月額総支給","Savings and deposits now":"現在の貯蓄・預金","Return on savings above inflation (% / year)":"インフレを上回る貯蓄利回り（% / 年）","Real pay rise (% / year)":"実質昇給率（% / 年）","Plan until age":"計画する年齢","Show the benefit of spending less over (years)":"支出を減らした場合の効果を表示する期間（年）","Test: I want to stop working at age":"テスト：働くのをやめたい年齢","Earliest age you could stop working · {c}":"働くのをやめられる最も早い年齢 · {c}","with your current spending, keeping enough money until age {p}":"現在の支出で、{p} 歳まで十分なお金を残す場合","not before 75 with your current spending; see the ideas below":"現在の支出では75歳より前は不可。下のアイデアを参照","Not before 75":"75歳より前は不可","Net income / month":"月額手取り収入","average of the year, incl. extra salaries":"年平均、特別給与を含む","Spending / month":"支出 / 月","vacations spread over 12 months":"休暇旅行は12か月に按分","Saved / month":"貯蓄 / 月","{p} of your net income":"手取り収入の {p}","With smarter spending":"支出を見直した場合","earliest stop age if you cut the categories below":"下の項目を削減した場合の最も早い退職年齢","age {a}":"{a} 歳","now":"現在","Strong":"強い","Healthy":"健全","Watch":"注意","Weak":"弱い","Overall score":"総合評価","Income":"収入","Your net income is {r}× your spending.":"手取り収入は支出の {r} 倍です。","Savings rate":"貯蓄率","You save {p} of your net income (aim for 15–20%).":"手取り収入の {p} を貯蓄しています（目標15〜20%）。","Debt":"借入","Loan repayments take {p} of your net income (keep it under 10–15%).":"ローン返済が手取り収入の {p} を占めています（10〜15%未満に抑えましょう）。","No loan repayments besides your home.":"住宅以外のローン返済はありません。","Housing":"住居","Housing takes {p} of your net income (healthy up to about 28%).":"住居費が手取り収入の {p} を占めています（約28%までが健全）。","Emergency fund":"緊急資金","Your savings cover {m} months of spending (aim for 3–6).":"貯蓄で支出の {m} か月分をまかなえます（目標3〜6か月）。","Retirement":"退職","You could stop at {a}; the full state pension starts at {f}.":"{a} 歳でやめられます。満額の公的年金は {f} 歳から。","At this pace you would need to keep working past 75.":"このペースでは75歳を過ぎても働き続ける必要があります。","Earliest stop, current habits":"最も早い退職、現在の習慣","Earliest stop, smarter spending":"最も早い退職、支出を見直した場合","If you stop working today":"今日働くのをやめた場合","Your test: stop at {a}":"あなたのテスト：{a} 歳でやめる","State pension from {a}: {v} net / month":"{a} 歳からの公的年金：月額手取り {v}","No state pension: fewer than the minimum years of contributions":"公的年金なし：保険料納付年数が最低年数に足りません","Money left at {p}: {v}":"{p} 歳時点の残金：{v}","Your savings last <b>1 year</b> (until age {a})":"貯蓄は <b>1年</b> もちます（{a} 歳まで）","Your savings last <b>{n} years</b> (until age {a})":"貯蓄は <b>{n} 年</b> もちます（{a} 歳まで）","Your savings and pension cover you <b>for life</b> (to {p})":"貯蓄と年金で <b>生涯</b> まかなえます（{p} 歳まで）","<b>Works</b>: your money lasts until {p}":"<b>大丈夫</b>：お金は {p} 歳までもちます","<b>Not enough</b>: money runs out at {a}. Save {m} more a month until then, or spend less.":"<b>不足</b>：{a} 歳でお金が尽きます。それまで月 {m} 多く貯蓄するか、支出を減らしてください。","Type an age in the Test box to check a stop age of your own.":"「テスト」欄に年齢を入力すると、ご自身の退職年齢を確認できます。","Current habits (stop at {a})":"現在の習慣（{a} 歳でやめる）","Smarter spending (stop at {a})":"支出を見直した場合（{a} 歳でやめる）","Your test (stop at {a})":"あなたのテスト（{a} 歳でやめる）","Keep working until the state pension ({a})":"公的年金まで働き続ける（{a} 歳）","Category":"項目","You spend / month":"月の支出","% of net income":"手取り収入に対する %","Suggested ceiling":"推奨上限","Possible saving / month":"節約可能額 / 月","Over {n} years (with return)":"{n} 年間（運用益込み）","within":"範囲内","Suggested ceilings are common budgeting guidelines as a share of net income (in the spirit of the 50/30/20 rule: about half for needs, up to 30% for wants, at least 20% saved). Children: 6% per child, up to 18%. Cutting every category above its ceiling saves {m} a month: <b>{x}</b> after {n} years at your return, and you could stop working at <b>{a}</b> instead of {b}.":"推奨上限は手取り収入に対する割合としての一般的な家計の目安です（50/30/20ルールの考え方：必需品に約半分、欲しいものに最大30%、少なくとも20%を貯蓄）。子ども：1人につき6%、最大18%。上限を超えるすべての項目を削減すると月 {m} 節約でき、あなたの利回りで {n} 年後に <b>{x}</b> になり、{b} 歳ではなく <b>{a}</b> 歳で働くのをやめられます。","All your categories are within the suggested ceilings. Well done.":"すべての項目が推奨上限内です。よくできています。","<b>Target to stop today:</b> you would need about {v} in savings; you have {p} of it.":"<b>今日やめるための目標：</b>約 {v} の貯蓄が必要です。現在その {p} があります。","<b>Each {h} a month</b> you save from now on adds {v} by age {a} and moves your stop age to {s}.":"<b>今後、月 {h} 貯蓄するごとに</b>、{a} 歳までに {v} 増え、退職年齢が {s} 歳に早まります。","<b>Each {h} a month</b> you save from now on adds {v} by age {a}.":"<b>今後、月 {h} 貯蓄するごとに</b>、{a} 歳までに {v} 増えます。","<b>Return matters:</b> earning 1 point more on your savings would let you stop at {s}.":"<b>利回りは重要です：</b>貯蓄の利回りが1ポイント高ければ、{s} 歳でやめられます。","<b>Pension gap:</b> your state pension covers {p} of your spending; the rest must come from savings.":"<b>年金の不足：</b>公的年金で支出の {p} をまかなえます。残りは貯蓄から出す必要があります。","<b>Spending less in retirement:</b> many people spend 20–30% less once work costs, loans and children stop. With 20% less after you stop, you could stop at {s}.":"<b>退職後の支出減：</b>多くの人は仕事の費用、ローン、子どもの費用がなくなると支出が20〜30%減ります。やめた後の支出が20%少なければ、{s} 歳でやめられます。","<b>Spending more than you earn:</b> you are using {v} of savings a month. Fix this first; nothing else works until it is positive.":"<b>収入以上の支出：</b>毎月 {v} の貯蓄を取り崩しています。まずこれを改善してください。これがプラスにならない限り、他の対策は効果がありません。","How it works: each year, savings grow at your real return, plus your net pay minus spending while you work; after you stop, spending is paid from savings and, once it starts, from the full state pension (claimed at the first age with no reduction, based on the years worked until you stop). Everything is in today’s money, with today’s tax and pension rules. Private pensions, property, inheritance and taxes on investment returns are not included. This is a planning estimate, not financial advice.":"仕組み：毎年、貯蓄は実質利回りで増え、働いている間は手取りから支出を引いた額が加わります。やめた後は支出を貯蓄から、受給が始まれば満額の公的年金（減額なしで請求できる最初の年齢で、やめるまでの勤続年数に基づく）から支払います。すべて現在の貨幣価値と現在の税・年金規則によります。私的年金、不動産、相続、投資収益への課税は含まれません。これは計画のための推計であり、金融アドバイスではありません。","Empty fields use what you entered in the Salary and Pension tabs (shown greyed); type a value to override it.":"空欄には「給与」と「年金」タブで入力した値が使われます（灰色で表示）。値を入力すると上書きされます。","Typical rent in your area (optional)":"お住まいの地域の一般的な家賃（任意）","Spending falls from age":"支出が減る年齢","…and again from age":"…さらに減る年齢","by (per month, today’s money)":"減少額（月額、現在の貨幣価値）","your local rent":"地域の家賃","<b>Lower spending later:</b> from age {a} your spending falls by {v} a month in today’s money ({p} of today’s spending). This is included in all the results above.":"<b>将来の支出減：</b>{a} 歳から支出が現在の貨幣価値で月 {v}（現在の支出の {p}）減ります。これは上のすべての結果に反映されています。","<b>How the ceilings work:</b> for needs (housing, food, transport, bills) the ceiling is the higher of the typical cost in your country and a share of your income (housing 28%, food 14%, transport 10%, bills 7%), so you are never asked to spend less than a typical household. Typical costs come only from open official statistics: Eurostat household budget survey (average spending on food, utilities, phone/internet and transport; rent paid by households renting at market price, using the EU-SILC share of renters), updated to 2026 with the price index of each category; for the UK, the ONS average private rent (August 2026) and ONS inflation. They are scaled to your household ({a} adult(s), {k} child(ren)) with the OECD equivalence scale; housing and utilities are scaled half as much because they have strong economies of scale. National averages include older, cheaper contracts: if rents where you live are higher, type the typical rent of your area. Wants (leisure 45%, vacations 35%, other 20%) share what is left after needs, loan repayments and a 10% saving, up to 30% of income; what you do not use in one goes to the others.":"<b>上限の仕組み：</b>必需品（住居、食料、交通、光熱・通信）の上限は、あなたの国の典型的な費用と収入に対する割合（住居28%、食料14%、交通10%、光熱・通信7%）のうち高いほうなので、典型的な世帯より少なく使うよう求められることはありません。典型的な費用は公開された公式統計のみに基づきます：Eurostatの家計調査（食料、光熱、電話・インターネット、交通の平均支出。家賃は市場価格で賃貸する世帯が支払う額で、EU-SILCの賃貸世帯割合を使用）を各項目の物価指数で2026年に更新。英国はONSの平均民間家賃（2026年8月）とONSのインフレ率。これらをOECD等価尺度であなたの世帯（大人 {a} 人、子ども {k} 人）に合わせています。住居と光熱は規模の経済が大きいため、半分だけ調整しています。全国平均には古くて安い契約も含まれるため、お住まいの地域の家賃がより高い場合は、その地域の一般的な家賃を入力してください。欲しいもの（レジャー45%、休暇旅行35%、その他20%）は、必需品、ローン返済、10%の貯蓄の後に残る額を収入の30%まで分け合い、ある項目で使わなかった分は他の項目に回ります。","Typical cost ({c})":"典型的な費用（{c}）","{p} of net income":"手取り収入の {p}","typical cost in {c}":"{c}の典型的な費用","{p} of your income":"収入の {p}","6% of income per child":"子ども1人につき収入の6%","10% of income (debt limit)":"収入の10%（借入の上限）","share of what is left":"残りの配分","<b>Money for wants:</b> after needs, loan repayments and saving 10%, you have <b>{w}</b> a month for leisure, vacations and other spending.":"<b>欲しいものに使えるお金：</b>必需品、ローン返済、10%の貯蓄の後、レジャー、休暇旅行、その他の支出に月 <b>{w}</b> 使えます。","<b>Money for wants:</b> after needs, loan repayments and saving 10%, nothing is left, so the ceilings for leisure, vacations and other spending are 0.":"<b>欲しいものに使えるお金：</b>必需品、ローン返済、10%の貯蓄の後は何も残らないため、レジャー、休暇旅行、その他の支出の上限は0です。","Cutting every category above its ceiling saves {m} a month: <b>{x}</b> after {n} years, and you could stop working at <b>{s2}</b> instead of {s1}.":"上限を超えるすべての項目を削減すると月 {m} 節約でき、{n} 年後に <b>{x}</b> になり、{s1} 歳ではなく <b>{s2}</b> 歳で働くのをやめられます。","My salary is":"私の給与は","Gross (before tax)":"総支給（税引前）","Net (what I receive, payslip)":"手取り（受取額、給与明細）","Net / month now (payslip)":"現在の月額手取り（給与明細）","Return on savings (% / year)":"貯蓄の利回り（% / 年）","Expected inflation (% / year)":"予想インフレ率（% / 年）","Pay rise (% / year)":"昇給率（% / 年）","Future money (with inflation)":"将来の貨幣価値（インフレ込み）","Today’s money":"現在の貨幣価値","Expenses are in today’s money; every year they rise with inflation, also after you stop working, and so does the state pension. Your pay rises by the pay rise you enter and savings earn the return you enter. The planner uses the country, children and pension settings of the other tabs.":"支出は現在の貨幣価値で、働くのをやめた後も含め毎年インフレとともに増え、公的年金も同様です。給与は入力した昇給率で増え、貯蓄は入力した利回りを得ます。プランナーは他のタブの国、子ども、年金の設定を使います。","from your net salary; ≈ {g} gross / month":"手取り給与から；≈ 月額総支給 {g}","Money left at {p}: {v} ({r} in today’s money)":"{p} 歳時点の残金：{v}（現在の貨幣価値で {r}）","How it works: each year your savings earn the return you enter. While you work you add your net pay (rising by your pay rise) and pay your expenses (rising with inflation). After you stop, expenses keep rising with inflation and are paid from savings and, once it starts, from the full state pension, which also rises with inflation (claimed at the first age with no reduction, based on the years worked until you stop). If your pay rises faster than inflation, your pension is higher too. A return equal to inflation means your savings only keep their value. Today’s tax and pension rules; private pensions, property, inheritance and taxes on investment returns are not included. This is a planning estimate, not financial advice.":"仕組み：毎年、貯蓄は入力した利回りを得ます。働いている間は手取り（昇給率で増加）を加え、支出（インフレで増加）を支払います。やめた後も支出はインフレとともに増え、貯蓄から、受給が始まれば満額の公的年金（同じくインフレで増加、減額なしで請求できる最初の年齢で、やめるまでの勤続年数に基づく）から支払われます。給与がインフレより速く上がれば年金も高くなります。利回りがインフレと同じなら、貯蓄は価値を保つだけです。現在の税・年金規則によります。私的年金、不動産、相続、投資収益への課税は含まれません。これは計画のための推計であり、金融アドバイスではありません。","purchasing power, in Greek euros":"購買力、ギリシャのユーロ換算","nominal EUR":"名目 EUR","Worked example: what the same salary really buys":"計算例：同じ給与で実際に何が買えるか","Greece is the reference: there you keep {gr} a year.":"ギリシャが基準です：そこでは年 {gr} が手元に残ります。","<b>{c}</b>: you keep {net}{fx}, {d} than in Greece. Prices are {pd} (price level {pl} vs {pgr}), so this buys what <b>{pp}</b> buys in Greece: {ppd} purchasing power.":"<b>{c}</b>：手元に {net}{fx} 残り、ギリシャより {d}。物価は {pd}（物価水準 {pl} 対 {pgr}）なので、ギリシャで <b>{pp}</b> で買えるものが買えます：購買力は {ppd}。"," (= {eur} at {rate} £ per €)":" （= {eur}、€あたり {rate} £ で換算）"," (= {eur} at {rate} per €)":" （= {eur}、€あたり {rate} で換算）","{x} more":"{x} 多い","{x} less":"{x} 少ない","{x} higher":"{x} 高い","{x} lower":"{x} 低い","Bottom line: on this salary {best} gives the most purchasing power and {worst} the least.":"結論：この給与では {best} が最も購買力が高く、{worst} が最も低くなります。","Highest purchasing power":"最も高い購買力"," / year in Greek euros":" / 年、ギリシャのユーロ換算","Gross used":"使用した総支給","per year in every country":"すべての国で年額","Cheapest country":"最も物価が安い国","price level ":"物価水準 ","Annual pay split by country":"国別の年収内訳","Net / payment":"手取り / 回","Net in EUR":"手取り（EUR）","Price level":"物価水準","Purchasing power (Greek €)":"購買力（ギリシャの €）","Employer cost (EUR)":"雇用主コスト（EUR）","Gross for same buying power as Greece":"ギリシャと同じ購買力に必要な総支給","Highest pension (buying power)":"最も高い年金（購買力）"," / month in Greek euros":" / 月、ギリシャのユーロ換算","at age ":"年齢 ","Career assumed":"想定するキャリア","Pensions side by side":"年金を並べて比較","Payments":"支払回数","Buying power / month (Greek €)":"購買力 / 月（ギリシャの €）","age ":"年齢 ","Same career in every country: the gross salary on the left converted at each country’s usual number of payments, past years at the chosen % of today’s pay. \"Earliest full-pension age\" is the first age without an early-retirement cut (Greece 62 with 40 years or 67; Germany 67 or 65 with 45 years; Italy 67 or with 42y10m; Spain 65 with 38.5 years or 67; UK State Pension age 67/68). Amounts in today’s money. UK contributions are National Insurance, which also funds other benefits.":"どの国でも同じキャリア：左の総支給を各国の通常の支払回数で換算し、過去の年は現在の給与に対して選んだ % とします。「最も早い満額年金年齢」は繰上げ減額のない最初の年齢です（ギリシャは40年加入で62歳または67歳、ドイツは67歳または45年加入で65歳、イタリアは67歳または42年10か月加入、スペインは38.5年加入で65歳または67歳、英国は国家年金受給年齢67/68歳）。金額は現在の貨幣価値。英国の保険料は国民保険で、他の給付の財源にもなっています。","Net pension / year":"年額手取り年金","none (full severance instead)":"なし（代わりに退職金全額）","Settlement 0.5 month’s pay per year (customary, not a legal right)":"和解金：勤続1年につき給与0.5か月分（慣行であり法的権利ではない）","TFR (accrued deferred pay) + 1 month’s notice in lieu; no extra indemnity for a justified dismissal":"TFR（積み立てた後払い給与）+ 予告に代わる1か月分。正当な解雇に追加の補償金なし","by CCNL, ~1 month":"CCNLにより、約1か月","mo":"か月","£95.55/wk × 26":"週£95.55 × 26","Most protective":"最も保護が手厚い"," incl. unemployment benefit, Greek €":" 失業手当込み、ギリシャの €"," years":" 年","no-fault dismissal by the employer":"雇用主による本人に責任のない解雇","What you get when dismissed":"解雇されたときに受け取れる額","Termination side by side":"退職時の比較","Severance rule":"退職金の規則","Severance net":"退職金の手取り","= months of gross pay":"= 総支給の月数","Unused leave, net":"未消化休暇、手取り","Unemployment benefit (total)":"失業手当（合計）","Total in Greek €":"合計（ギリシャの €）","A no-fault dismissal by the employer in each country: Greece without notice; Germany with the customary settlement; Italy a justified objective dismissal (TFR is deferred pay you earned anyway); Spain an objective dismissal; UK redundancy. Unfair dismissals pay more (Spain 33 days/year, Italy 6–36 months). Unemployment benefits are estimates and need enough contributions.":"各国での雇用主による本人に責任のない解雇：ギリシャは予告なし、ドイツは慣行の和解金あり、イタリアは正当な客観的理由による解雇（TFRはいずれにせよ得ていた後払い給与）、スペインは客観的理由による解雇、英国は整理解雇。不当解雇ではより多く支払われます（スペインは年33日、イタリアは6〜36か月）。失業手当は推計で、十分な保険料の納付が必要です。","Unused leave":"未消化休暇","17 weeks full pay + 9 months at minimum wage":"17週は給与全額 + 9か月は最低賃金水準","14 working days, full pay":"14労働日、給与全額","4 months per parent until 8 (2 paid at minimum wage)":"親1人につき8歳まで4か月（2か月は最低賃金水準で有給）","First 3 days 50%, then EFKA benefit + employer top-up":"最初の3日は50%、その後EFKAの給付 + 雇用主の上乗せ","14 weeks full net pay (Mutterschutz)":"14週は手取り全額（Mutterschutz）","No separate leave; 2 partner months of Elterngeld":"独立した休暇はなし。パートナー月のElterngeld 2か月","Up to 3 years each; Elterngeld 65–67% of net for 12–14 months (max €1,800)":"それぞれ最大3年。Elterngeldは12〜14か月、手取りの65〜67%（最大€1,800）","6 weeks at 100% from employer, then 70% (Krankengeld)":"雇用主から6週間100%、その後70%（Krankengeld）","5 months at 80% (often 100% by CCNL)":"5か月80%（CCNLで100%のことが多い）","10 working days at 100%":"10労働日100%","Up to 10–11 months shared until 12; 3 at 80%, rest 30%":"12歳まで共有で最大10〜11か月。3か月は80%、残りは30%","INPS 50–66% + employer top-up (often 100%)":"INPS 50〜66% + 雇用主の上乗せ（多くは100%）","19 weeks at 100% (each parent)":"19週100%（両親それぞれ）","19 weeks at 100% (same as mother)":"19週100%（母親と同じ）","8 weeks unpaid until 8":"8歳まで8週間無給","60% days 4–20, 75% from day 21 (often topped up)":"4〜20日目は60%、21日目から75%（上乗せされることが多い）","52 weeks: 6 at 90%, 33 at £194.32/week, 13 unpaid":"52週：6週は90%、33週は週£194.32、13週は無給","2 weeks at £194.32/week":"2週間、週£194.32","Shared parental up to 50 weeks; 18 weeks unpaid per child until 18":"共有育児休業は最大50週。子ども1人につき18歳まで18週無給","£123.25 a week (SSP)":"週£123.25（SSP）","Most paid days off (legal minimum)":"有給の休日が最も多い（法定最低）"," days incl. holidays":" 日、祝日込み","Longest paid birth leave":"有給の出産休暇が最も長い","for the mother":"母親の場合","Leave side by side":"休暇の比較","Annual leave, legal minimum (5-day week)":"年次休暇、法定最低（週5日制）","typical ":"一般的に ","after ":"勤続 ","incl. bank holidays":"バンクホリデー込み","Public holidays on weekdays":"平日の祝日","can be inside the 28":"28日に含まれる場合あり","Total paid days off":"有給の休日合計","Maternity":"出産","Father / partner":"父親 / パートナー","Legal minimums for a 5-day week; contracts and collective agreements often give more (Germany typically 30 days, Italy 22–26 plus ROL hours). National holidays only: German states, Spanish regions and Italian cities add 1–4 local days.":"週5日制の法定最低です。契約や労働協約ではより多いことがよくあります（ドイツは一般に30日、イタリアは22〜26日にROL時間）。全国共通の祝日のみ：ドイツの州、スペインの州、イタリアの都市は1〜4日の地域の祝日を追加します。","Public holidays":"祝日","Most money left after housing":"住居費の後に最も多くお金が残る国"," / month in Greek prices":" / 月、ギリシャの物価換算","Highest housing burden":"住居費の負担が最も大きい国"," of net pay goes to housing":" 手取りのうち住居費に回る割合","adults + children":"大人 + 子ども","Money left each month after rent and bills, in Greek prices":"家賃と光熱費を払った後に毎月残るお金、ギリシャの物価換算","Countries side by side (per month)":"国の比較（月額）","Typical rent":"一般的な家賃","Utilities, phone, internet":"光熱費、電話、インターネット","Left after housing":"住居費の後に残る額","Housing % of net":"手取りに対する住居費 %","Price level (EU=100)":"物価水準（EU=100）","Left, in Greek prices":"残る額、ギリシャの物価換算","Typical national costs from open official statistics only: average rent paid by renting households and spending on utilities, phone and internet (Eurostat household budget survey and EU-SILC, updated to 2026 prices with each category’s price index; UK: ONS average private rent), scaled to the household on the left. Price levels: Eurostat 2024. Non-euro amounts are converted at ECB reference rates of 5 October 2026. Big cities, especially their rents, are usually more expensive than these national averages.":"典型的な全国の費用は公開された公式統計のみに基づきます：賃貸世帯が支払う平均家賃と光熱、電話、インターネットへの支出（Eurostatの家計調査とEU-SILC、各項目の物価指数で2026年価格に更新。英国はONSの平均民間家賃）を、左の世帯に合わせて調整しています。物価水準：Eurostat 2024年。ユーロ以外の金額は2026年10月5日のECB参照レートで換算。大都市、特にその家賃は、通常これらの全国平均より高くなります。","Left after housing (EUR)":"住居費の後に残る額（EUR）","Same, in Greek prices":"同じ額、ギリシャの物価換算","Benefits":"給付","Wage tax + Soli, €30,000, class I":"給与税 + Soli、€30,000、クラスI","Wage tax + Soli, €54,000, class I":"給与税 + Soli、€54,000、クラスI","Wage tax + Soli, €80,000, class I":"給与税 + Soli、€80,000、クラスI","Wage tax + Soli, €120,000, class I":"給与税 + Soli、€120,000、クラスI","Wage tax, €54,000, class III":"給与税、€54,000、クラスIII","Wage tax, €54,000, class I, 1 child":"給与税、€54,000、クラスI、子ども1人","Taxable €20,000, no children":"課税所得€20,000、子どもなし","Taxable €20,000, 2 children":"課税所得€20,000、子ども2人","Taxable €30,000, 1 child":"課税所得€30,000、子ども1人","Taxable €30,000, 4 children":"課税所得€30,000、子ども4人","Taxable €50,000, no children":"課税所得€50,000、子どもなし","Taxable €30,000, age 24":"課税所得€30,000、24歳","Income tax + NI, £42,000":"所得税 + 国民保険、£42,000","Income tax + NI, £110,000 (allowance taper)":"所得税 + 国民保険、£110,000（控除の逓減）","INPS employee, RAL €35,000":"INPS従業員、RAL €35,000","Employee social security, €30,000":"従業員の社会保障、€30,000","Employee social insurance, €54,000, childless":"従業員の社会保険、€54,000、子どもなし","Net pay, RAL €35,000 (surcharges 1.43% + 0.8%)":"手取り、RAL €35,000（付加税1.43% + 0.8%）","National pension, 20+ years, 40 years in Greece":"国民年金、20年以上、ギリシャ在住40年","National pension, 15 years":"国民年金、15年","Standard pension: 45 years at average pay, age 67 (gross / month)":"標準年金：平均給与で45年、67歳（総額 / 月）","Yearly pension from €100,000 notional capital at 67":"67歳時点の名目資本€100,000からの年額年金","Maximum pension 2026 (high earner, 45 years)":"最高年金 2026年（高所得者、45年）","100% of the base with 37 years (base €2,000)":"37年で基礎額の100%（基礎額€2,000）","Full new State Pension, 35 years (per year)":"新国家年金満額、35年（年額）","Wage tax, €20,000, class I":"給与税、€20,000、クラスI","Wage tax, €40,000, class I":"給与税、€40,000、クラスI","Wage tax, €65,000, class I":"給与税、€65,000、クラスI","Wage tax + Soli, €100,000, class I":"給与税 + Soli、€100,000、クラスI","Wage tax + Soli, €250,000, class I (45% band)":"給与税 + Soli、€250,000、クラスI（45%区分）","Wage tax, €40,000, class II, 1 child":"給与税、€40,000、クラスII、子ども1人","Wage tax, €80,000, class III, 2 children (care-insurance child discount)":"給与税、€80,000、クラスIII、子ども2人（介護保険の子ども割引）","Taxable €10,000, no children":"課税所得€10,000、子どもなし","Taxable €20,000, 3 children":"課税所得€20,000、子ども3人","Taxable €40,000, 2 children":"課税所得€40,000、子ども2人","Taxable €50,000, 4 children":"課税所得€50,000、子ども4人","Taxable €20,000, age 24":"課税所得€20,000、24歳","Work-income reduction at €20,000 gross":"総支給€20,000での給与所得の減額","Low-wage deduction at €17,276 gross":"総支給€17,276での低賃金控除","Employer NI, £42,000":"雇用主の国民保険、£42,000","Employee EFKA 13.37%, €1,500 × 14":"従業員EFKA 13.37%、€1,500 × 14","Monthly EFKA at the €7,761.94 ceiling (gross €10,000)":"上限€7,761.94での月額EFKA（総支給€10,000）","INPS employee, RAL €25,000":"INPS従業員、RAL €25,000","INPS employee, RAL €50,000":"INPS従業員、RAL €50,000","Employee social security, €20,000":"従業員の社会保障、€20,000","Employee social security, €50,000":"従業員の社会保障、€50,000","Net pay, RAL €25,000 (Bari)":"手取り、RAL €25,000（バーリ）","Net pay, RAL €50,000 (Milan)":"手取り、RAL €50,000（ミラノ）","Early pension at 62 with 15 years: lifelong cut":"15年加入で62歳の繰上げ年金：生涯の減額","Full pension at 62 with 40 years: cut":"40年加入で62歳の満額年金：減額","Early pension at 63 with 35 years: cut":"35年加入で63歳の繰上げ年金：減額","15 years of contributions: 50% of the base (base €2,000)":"保険料15年：基礎額の50%（基礎額€2,000）","State Pension with 10 qualifying years (per year)":"資格年数10年の国家年金（年額）","Group pension, lump sum after 25 years: tax rate":"団体年金、25年後の一時金：税率","Group pension, monthly pension after 12 years: tax rate":"団体年金、12年後の月額年金：税率","Group pension, early lump sum after 3 years: tax rate":"団体年金、3年後の早期一時金：税率","Severance after 3 years (months of pay)":"3年後の退職金（給与の月数）","Severance after 16+ years (months of pay)":"16年以上の退職金（給与の月数）","Maximum statutory redundancy pay":"法定整理解雇手当の上限","NASpI monthly maximum":"NASpIの月額上限","Kindergeld, 2 children (per year)":"児童手当 Kindergeld、子ども2人（年額）","Child benefit, 2 children (per year)":"児童手当、子ども2人（年額）","Checks passed":"合格した検証","within €25 or 0.5% of the official figure":"公式の数値との差が€25または0.5%以内","Largest difference":"最大の差","per year":"年額","Areas covered":"対象分野","tax, contributions, net pay, state and private pensions, termination, benefits":"税金、保険料、手取り、公的年金と私的年金、退職、給付","Accuracy checks against official sources":"公式情報源との正確性検証","Case (2026)":"ケース（2026年）","Official":"公式","This app":"このアプリ","Source":"出典","Pensions: official 2026 amounts (Greek national pension, German pension value, Italian transformation coefficients, Spanish maximum pension and scale, UK State Pension). Germany tax: official BMF wage-tax interface (Lohnsteuer 2026). Greece: tax table for Law 5246/2025. Italy and Spain: published 2026 calculations (Spain on the general scale; Spanish payroll withholding can differ slightly from the final annual tax). UK: HMRC 2026/27 rates applied by hand. Data last checked October 2026. Social-security rates, ceilings and pension rules were checked separately against 2026 official notices (see each country’s rules).":"年金：2026年の公式金額（ギリシャの国民年金、ドイツの年金価値、イタリアの変換係数、スペインの最高年金と基準表、英国の国家年金）。ドイツの税金：BMF公式の給与税インターフェース（Lohnsteuer 2026）。ギリシャ：法律5246/2025の税率表。イタリアとスペイン：公表された2026年の計算（スペインは一般税率表。スペインの源泉徴収は最終的な年間税額とわずかに異なる場合があります）。英国：HMRC 2026/27年の税率を手作業で適用。データの最終確認は2026年10月。社会保険料率、上限、年金規則は2026年の公式通知と別途照合しました（各国の規則を参照）。","New-resident regimes applied: Greece art. 5C (income tax on 50% of pay, 7 years), Italy impatriati (50% exempt, 60% with a minor child, 5 years), Spain Beckham law (flat 24%, 6 years). Germany has no such regime; the UK taxes UK work in full (its 4-year regime covers foreign income and up to 30% of pay for workdays abroad). Conditions apply, e.g. not tax-resident there in recent years.":"適用される新規居住者制度：ギリシャ第5C条（7年間、給与の50%に所得税）、イタリアimpatriati（50%非課税、未成年の子がいれば60%、5年間）、スペイン・ベッカム法（一律24%、6年間）。ドイツにはこのような制度はなく、英国は英国内での労働に全額課税します（4年間の制度は外国所得と海外勤務日の給与の最大30%が対象）。近年その国の税務上の居住者でなかったことなど、条件があります。","Estimates for guidance only, using 2026 rules for {c}. {caveat} For exact figures, check your payslip or a tax adviser. {res}":"{c}の2026年の規則による目安としての推計です。{caveat} 正確な金額は給与明細または税理士にご確認ください。{res}","Estimates for guidance only. Overtime premiums usually come from your contract or collective agreement, so enter yours; tax is estimated at your 2026 marginal rate for {c}. {res}":"目安としての推計です。時間外割増は通常、契約や労働協約で決まるため、ご自身の値を入力してください。税金は{c}の2026年の限界税率で推計しています。{res}","Simplified comparison using 2026 rules for {c}. Real business costs, VAT, tax prepayments and payment timing are not modelled, and freelancers give up paid leave, sick pay and dismissal protection. Talk to an accountant before switching. {res}":"{c}の2026年の規則による簡略化した比較です。実際の事業経費、VAT、予定納税、支払時期はモデル化しておらず、フリーランスは有給休暇、病気手当、解雇保護を失います。切り替える前に会計士に相談してください。{res}","Projection under current law for {c}, in today’s money. Pension rules change often; past earnings, life expectancy and indexation are simplified, and transitional rules for older workers are not modelled. Check your official pension record. {res}":"{c}の現行法による予測で、現在の貨幣価値です。年金規則は頻繁に変わります。過去の収入、平均余命、物価スライドは簡略化しており、高齢労働者向けの経過措置はモデル化していません。公式の年金記録をご確認ください。{res}","Illustration only: the plan return is your assumption after fees and is not guaranteed. Tax limits are 2026 values for {c}; tax on payouts depends on your income in retirement. Check your plan’s rules with HR or the provider. {res}":"例示のみです。プランの利回りは手数料控除後の想定値で、保証されません。税の上限は{c}の2026年の値で、受け取り時の税金は退職後の所得によって異なります。プランの規則は人事部または提供会社にご確認ください。{res}","Legal minimums for {c}; contracts and collective agreements often give more, and regional or local holidays are not all listed. {res}":"{c}の法定最低です。契約や労働協約ではより多いことがよくあり、地域の祝日はすべて記載しているわけではありません。{res}","Estimates for a standard indefinite contract in {c}. Actual amounts depend on your contract, collective agreement, the reason for dismissal and any settlement; unemployment benefits need enough contributions. Get advice early: deadlines are short. {res}":"{c}の標準的な期間の定めのない契約についての推計です。実際の金額は契約、労働協約、解雇理由、和解によって異なり、失業手当には十分な保険料の納付が必要です。早めに相談してください。期限は短いです。{res}","Monthly wage tax follows the official 2026 formula (checked against the BMF calculator); your annual tax return can differ. Private health insurance, Saxony’s care rate, company cars and other benefits in kind are not modelled.":"月々の給与税は2026年の公式の計算式に従っています（BMFの計算機と照合済み）。年間の確定申告では異なる場合があります。民間健康保険、ザクセン州の介護保険料率、社用車、その他の現物給付はモデル化していません。","Regional and municipal surcharges vary by place; deductions for dependants, Assegno Unico and benefits in kind are not modelled, and payroll spreads the tax over the months differently.":"州と市町村の付加税は地域によって異なります。扶養控除、Assegno Unico、現物給付はモデル化しておらず、給与計算では税金を月々に異なる方法で配分します。","Only the general, Madrid and Catalonia scales are included; other regions differ slightly. Payroll withholding (retenciones) can differ from the final annual tax settled in your return.":"一般、マドリード、カタルーニャの税率表のみを含みます。他の州はわずかに異なります。給与からの源泉徴収（retenciones）は確定申告で精算される最終的な年間税額と異なる場合があります。","Rates for England, Wales and Northern Ireland. Scotland, student loans, pension contributions and benefits in kind are not included, and your tax code can change monthly deductions.":"イングランド、ウェールズ、北アイルランドの税率です。スコットランド、学生ローン、年金拠出、現物給付は含まれず、税コードによって月々の控除額が変わる場合があります。","Official sources: BMF Lohnsteuerrechner, Deutsche Rentenversicherung (Renteninformation), Bundesagentur für Arbeit.":"公式情報源：BMF Lohnsteuerrechner、Deutsche Rentenversicherung（Renteninformation）、Bundesagentur für Arbeit。","Official sources: Agenzia delle Entrate, INPS (estratto conto contributivo, simulator “La mia pensione futura”).":"公式情報源：Agenzia delle Entrate、INPS（estratto conto contributivo、シミュレーター「La mia pensione futura」）。","Official sources: Agencia Tributaria (withholding simulator), Seguridad Social (Tu Seguridad Social), SEPE.":"公式情報源：Agencia Tributaria（源泉徴収シミュレーター）、Seguridad Social（Tu Seguridad Social）、SEPE。","Official sources: GOV.UK (HMRC tax calculator, Check your State Pension forecast) and Acas for employment rights.":"公式情報源：GOV.UK（HMRCの税計算機、Check your State Pension forecast）、雇用上の権利についてはAcas。","Old-age insurance 6.90% + 0.40%":"老齢保険 6.90% + 0.40%","Supplementary pension AGIRC-ARRCO (incl. CEG/CET)":"補足年金 AGIRC-ARRCO（CEG/CETを含む）","CSG and CRDS 9.7% (on 98.25% of pay)":"CSGとCRDS 9.7%（給与の98.25%に対して）","Company health plan (mutuelle), your half":"企業健康保険（mutuelle）、本人負担分","Income tax (scale, withheld at source)":"所得税（税率表、源泉徴収）","Family allowance (paid separately)":"家族手当（別途支給）","Micro-entrepreneur contributions (URSSAF)":"マイクロ起業家の保険料（URSSAF）","by collective agreement":"労働協約による","worked or paid":"勤務または支払い","1–3 months (agreement)":"1〜3か月（協約）","Legal severance":"法定退職金","France":"フランス","Tax household":"課税世帯","Single":"単身","Married or PACS, sole earner":"既婚またはPACS、片働き","Company health plan total / month (half paid by employer)":"企業健康保険の合計 / 月（半分は雇用主負担）","Executive status (cadre)":"管理職（cadre）","Activity":"業種","Liberal profession (BNC)":"自由業（BNC）","Services (BIC)":"サービス業（BIC）","Sales (BIC)":"物品販売（BIC）","Flat income-tax option (versement libératoire)":"定率所得税の選択（versement libératoire）","2026 scale (2025 income): 0% to €11,600, 11% to €29,579, 30% to €84,577, 41% to €181,917, 45% above, per tax share after a 10% expense allowance (€509–14,555). Family quotient: 1 share per adult, ½ for each of the first two children, 1 from the third, capped at €1,807 per half share; low-tax reduction (décote) below €1,982 of tax for a single person. Withheld monthly at source.":"2026年の税率表（2025年所得）：€11,600まで0%、€29,579まで11%、€84,577まで30%、€181,917まで41%、それを超える部分は45%。10%の経費控除（€509〜14,555）後の課税単位1つあたり。家族係数：大人1人につき1単位、最初の2人の子どもは各½、第3子からは1、半単位あたりの上限€1,807。単身者は税額€1,982未満で低税額軽減（décote）。毎月源泉徴収。","Social contributions":"社会保険料","Employee about 22%: old-age 6.90% up to the ceiling (€4,005/month) + 0.40%, AGIRC-ARRCO 4.01% (10.80% above the ceiling incl. CEG), CSG/CRDS 9.7% on 98.25% of pay, plus half the company health plan. Employer about 43% before the 2026 general reduction (RGDU), which removes up to 39.81 points at the minimum wage and fades out at 3× it (€5,469/month).":"従業員は約22%：老齢6.90%は上限（月€4,005）まで + 0.40%、AGIRC-ARRCO 4.01%（上限超はCEG込みで10.80%）、CSG/CRDSは給与の98.25%に対して9.7%、さらに企業健康保険の半分。雇用主は2026年の一般減額（RGDU）前で約43%。RGDUは最低賃金で最大39.81ポイントを差し引き、その3倍（月€5,469）で消滅。","Family":"家族","Family allowance from the 2nd child: €152.25/month for 2 children, €347.32 for 3 (April 2026), lower for higher incomes. Calculated for one taxpayer; married couples file jointly.":"第2子からの家族手当：子ども2人で月€152.25、3人で€347.32（2026年4月）、高所得者は減額。納税者1人として計算しています。夫婦は合算申告します。","Legal premiums":"法定割増","Hours beyond 35 a week: +25% for the first 8 (36th to 43rd hour), +50% beyond, unless an agreement sets at least +10%. Usual annual quota 220 hours; max 48 hours in a week and 44 on average over 12 weeks.":"週35時間を超える時間：最初の8時間（36〜43時間目）は+25%、それ以降は+50%。ただし協約で+10%以上と定めることも可能。通常の年間枠は220時間。週最大48時間、12週平均で44時間。","Tax-free overtime":"非課税の時間外労働","Overtime pay is exempt from income tax up to €7,500 net a year, and employee pension contributions on it are cut by 11.31%. Both are applied here.":"時間外手当は手取り年€7,500まで所得税が免除され、それに対する従業員の年金保険料は11.31%減額されます。ここでは両方を適用しています。","220 h / year (quota)":"年220時間（枠）","Contributions on turnover: 25.6% liberal professions (BNC), 21.2% services, 12.3% sales (2026), plus 0.1–0.3% training. Income tax on turnover minus a flat allowance of 34%, 50% or 71%, or optionally a flat 2.2%, 1.7% or 1% of turnover. Turnover caps €83,600 (services, BNC) and €203,100 (sales). Real costs are not deductible. No VAT below the VAT threshold.":"売上に対する保険料：自由業（BNC）25.6%、サービス業21.2%、物品販売12.3%（2026年）、加えて職業訓練0.1〜0.3%。所得税は売上から34%、50%、71%の定率控除を差し引いた額に課税、または売上の2.2%、1.7%、1%の定率を選択可能。売上上限は€83,600（サービス業、BNC）と€203,100（物品販売）。実際の経費は控除不可。VATの免税点未満はVATなし。","Basic pension (CNAV)":"基礎年金（CNAV）","Average of your best 25 years (capped at the social-security ceiling) × 50% × quarters insured ÷ quarters required. Each missing quarter cuts the 50% by 0.625 points (max 20 quarters), unless you claim at 67. Quarters beyond the requirement after the legal age add 1.25% each.":"最も良い25年の平均（社会保障上限まで）× 50% × 加入四半期 ÷ 必要四半期。不足する四半期ごとに50%から0.625ポイント減額（最大20四半期）。ただし67歳で請求すれば減額なし。法定年齢以降に必要数を超えた四半期は1つにつき1.25%加算。","Ages after the 2026 suspension":"2026年の凍結後の年齢","The 2023 reform is suspended until January 2028 (LFSS 2026): legal age 62y9m for those born in 1964, about 63 for 1965, 63y3m for 1966, 63y6m for 1967, 63y9m for 1968, 64 later under current law; 170 quarters for 1964, 171 for 1965, 172 from 1966. Full rate automatically at 67.":"2023年の改革は2028年1月まで凍結されています（LFSS 2026）：法定年齢は1964年生まれで62歳9か月、1965年生まれで約63歳、1966年生まれで63歳3か月、1967年生まれで63歳6か月、1968年生まれで63歳9か月、それ以降は現行法で64歳。必要四半期は1964年生まれで170、1965年生まれで171、1966年生まれから172。67歳で自動的に満額。","Supplementary pension (AGIRC-ARRCO)":"補足年金（AGIRC-ARRCO）","Points = 6.20% of pay up to the ceiling + 17% above, ÷ €20.1877; each point pays €1.4386 a year (frozen until October 2026). Net of CSG, CRDS and CASA (about 9.1%) and income tax.":"ポイント = 上限までの給与の6.20% + 上限超の17%、÷ €20.1877。1ポイントにつき年€1.4386を支給（2026年10月まで据え置き）。CSG、CRDS、CASA（約9.1%）と所得税を差し引いた額。","Plan d’épargne retraite (PER): your voluntary payments are deducted from taxable income within the limit; employer payments into a company PER are free of income tax but carry CSG/CRDS. At retirement, the deducted payments are taxed at your income-tax rate and gains at the 31.4% flat tax (from 2026); a lump sum or an annuity can be chosen.":"Plan d’épargne retraite（PER）：任意の拠出は上限内で課税所得から控除されます。企業PERへの雇用主拠出は所得税が免除されますが、CSG/CRDSがかかります。退職時、控除された拠出は所得税率で、運用益は31.4%の定率税（2026年から）で課税されます。一時金か年金を選べます。","Victory in Europe Day":"ヨーロッパ戦勝記念日","Bastille Day":"革命記念日","Armistice Day":"休戦記念日","2.5 working days per month: 30 working days on a 6-day count, i.e. 25 days on a 5-day week (5 weeks), taken mainly between May and October; 4 weeks can be taken in summer. Many employees also get RTT days for working more than 35 hours. 11 public holidays; Alsace-Moselle has 2 more.":"1か月につき2.5労働日：週6日換算で30労働日、つまり週5日制で25日（5週間）。主に5月から10月に取得し、夏に4週間取得できます。週35時間を超えて働く多くの従業員はRTT日も得ます。祝日は11日。アルザス＝モゼルはさらに2日。","16 weeks (6 before, 10 after birth); 26 from the 3rd child":"16週（出産前6週、出産後10週）、第3子からは26週","Daily allowance from health insurance, up to about €104/day":"健康保険からの日額手当、1日最大約€104","25 days (32 for twins), 4 compulsory right after birth, plus 3 days birth leave":"25日（双子は32日）、うち4日は出産直後に義務、加えて出生休暇3日","Health-insurance allowance; birth days paid by employer":"健康保険の手当。出生休暇の日は雇用主が支給","Additional birth leave (from July 2026)":"追加の出生休暇（2026年7月から）","1 or 2 months per parent after maternity or paternity leave":"出産休暇または父親休暇の後、親1人につき1か月または2か月","70% of net pay the 1st month, 60% the 2nd (capped)":"1か月目は手取りの70%、2か月目は60%（上限あり）","Until the child turns 3, full or part time":"子どもが3歳になるまで、フルタイムまたはパートタイム","PreParE allowance (~€460/month full time) or unpaid":"PreParE手当（フルタイムで月約€460）または無給","Sick child":"子どもの病気","3 days a year (5 if under 1 or 3+ children), child under 16":"年3日（1歳未満または子ども3人以上なら5日）、16歳未満の子ども","Unpaid unless the agreement says otherwise":"協約に別段の定めがない限り無給","Family events":"家族の出来事","Wedding or PACS 4 days, death of a child 14 days, of a spouse or parent 3 days":"結婚またはPACS 4日、子どもの死亡14日、配偶者や親の死亡3日","Paid by employer":"雇用主が支給","3 waiting days, then health-insurance allowance":"3日の待機期間、その後健康保険の手当","50% of pay; employer tops up to 90% after 1 year of service":"給与の50%。勤続1年後は雇用主が90%まで上乗せ","Dismissal (personal or economic)":"解雇（個人的理由または経済的理由）","Mutual termination (rupture conventionnelle)":"合意解約（rupture conventionnelle）","After 8 months of service: ¼ month’s pay per year for the first 10 years, ⅓ per year beyond (more under many collective agreements). Free of income tax; free of contributions up to 2× the annual ceiling. Not due for serious misconduct.":"勤続8か月後：最初の10年は1年につき給与の¼か月分、それ以降は1年につき⅓（多くの労働協約ではより多い）。所得税は免除、年間上限の2倍までは保険料も免除。重大な過失の場合は支払われません。","Notice and mutual termination":"予告と合意解約","Notice: 1 month after 6 months of service, 2 months after 2 years (worked or paid). A rupture conventionnelle needs at least the legal severance, gives the right to unemployment benefit and has a 15-day withdrawal period.":"予告：勤続6か月後は1か月、2年後は2か月（勤務または支払い）。rupture conventionnelleには少なくとも法定退職金が必要で、失業手当の受給権があり、15日間の撤回期間があります。","Unemployment benefit (ARE)":"失業手当（ARE）","The higher of 57% of the daily reference wage or 40.4% + €13.18, max 75% (and €300.21/day). Duration 75% of the time worked in the last 24 months (36 from 55): max 18 months, 22.5 at 55–56, 27 from 57; −30% after 6 months on high benefits under 55. Not after resignation.":"日額基準賃金の57%、または40.4% + €13.18のいずれか高いほう、最大75%（かつ1日€300.21）。期間は過去24か月（55歳からは36か月）の勤務期間の75%：最大18か月、55〜56歳は22.5か月、57歳からは27か月。55歳未満で高額の給付は6か月後に−30%。自己都合退職では対象外。","Paying {c} a year (5% of salary) into a PER lowers your income tax by about <b>{s}</b>.":"PERに年 {c}（給与の5%）を拠出すると、所得税が約 <b>{s}</b> 減ります。","Overtime is tax-free up to €7,500 a year and carries lower contributions: see the Extra pay tab.":"時間外労働は年€7,500まで非課税で、保険料も軽くなります：「追加の給与」タブを参照してください。","Family allowance from the 2nd child (€152.25/month for 2, €347.32 for 3 from April 2026), halved or quartered for high household incomes. Couples are taxed jointly in France, which this table does not model.":"第2子からの家族手当（2026年4月から子ども2人で月€152.25、3人で€347.32）。世帯所得が高いと半額または4分の1に減額。フランスでは夫婦は合算で課税されますが、この表ではモデル化していません。","Legal severance ¼ month per year (⅓ after 10 years), tax-free":"法定退職金は1年につき¼か月（10年後は⅓）、非課税","16 weeks paid by health insurance (up to ~€104/day)":"健康保険が16週支給（1日最大約€104）","25 days paid by health insurance + 3 birth days":"健康保険が25日支給 + 出生休暇3日","Until age 3 (PreParE ~€460/month); new birth leave 1–2 months per parent at 70%/60% of net":"3歳まで（PreParE 月約€460）。新しい出生休暇は親1人につき1〜2か月、手取りの70%/60%","3 waiting days, then 50% (90% with employer top-up after 1 year)":"3日の待機期間、その後50%（勤続1年後は雇用主の上乗せで90%）","Non-executive employee in a company with fewer than 11 staff, standard accident rate 2.08%; collective-agreement extras (13th month, provident schemes), meal vouchers and transport support are not modelled. Income tax is the annual scale for one tax household; monthly withholding uses a personal rate that can differ.":"従業員11人未満の企業の非管理職、標準労災料率2.08%。労働協約による上乗せ（13か月目の給与、共済制度）、食事券、交通費補助はモデル化していません。所得税は課税世帯1つの年間税率表で、月々の源泉徴収は個人税率を使うため異なる場合があります。","Official sources: URSSAF (mon-entreprise simulator), impots.gouv.fr, info-retraite.fr, France Travail.":"公式情報源：URSSAF（mon-entrepriseシミュレーター）、impots.gouv.fr、info-retraite.fr、France Travail。","Employee contributions, €3,000/month, no health plan":"従業員の保険料、月€3,000、健康保険なし","Employee contributions, €4,500/month (above ceiling)":"従業員の保険料、月€4,500（上限超）","Employee contributions, €7,000/month":"従業員の保険料、月€7,000","Employee contributions at the minimum wage (€1,823.03)":"最低賃金（€1,823.03）での従業員の保険料","Net before income tax, €3,000/month, default €40 health plan":"所得税前の手取り、月€3,000、既定の€40の健康保険","Employer cost at the minimum wage (with RGDU)":"最低賃金での雇用主コスト（RGDU適用）","Employer cost, €3,000/month":"雇用主コスト、月€3,000","Employer cost, €7,000/month":"雇用主コスト、月€7,000","Taxable pay, €3,000/month, no health plan":"課税給与、月€3,000、健康保険なし","Income tax, single, taxable income €30,000":"所得税、単身、課税所得€30,000","Income tax, single, €20,000 (with décote)":"所得税、単身、€20,000（décote適用）","Income tax, couple + 2 children, €60,000":"所得税、夫婦 + 子ども2人、€60,000","AGIRC-ARRCO: 1,000 points (per year)":"AGIRC-ARRCO：1,000ポイント（年額）","Legal pension age, born 1966 (years)":"法定年金年齢、1966年生まれ（年）","Basic pension rate with 8 quarters missing":"8四半期不足の場合の基礎年金率","Legal severance, 12 years at €3,000":"法定退職金、€3,000で12年","ARE daily benefit for a €100 daily reference wage":"日額基準賃金€100でのARE日額","Family allowance, 2 children (per year)":"家族手当、子ども2人（年額）","PER deduction cap for a €30,000 salary":"給与€30,000でのPER控除上限","Pension fund (your share)":"年金基金（本人負担分）","National insurance (AOW, Anw, Wlz) after credits":"国民保険（AOW、Anw、Wlz）控除後","Income tax (box 1) after credits":"所得税（ボックス1）控除後","Tax credits used (general + labour)":"使用した税額控除（一般 + 労働）","Kinderbijslag (paid separately, ages 6–11)":"児童手当 Kinderbijslag（別途支給、6〜11歳）","Health contribution (Zvw 4.85%) + national insurance":"健康保険料（Zvw 4.85%）+ 国民保険","Transition payment (⅓ month per year)":"移行手当（1年につき⅓か月）","employer notice (1 month less via UWV)":"雇用主の予告（UWV経由なら1か月短縮）","Employer notice":"雇用主の予告","Transition payment":"移行手当","month per year":"1年あたりの月数","Netherlands":"オランダ","Pension fund, your share (% of pay above €19,554)":"年金基金、本人負担分（€19,554を超える給与の %）","Workplace pension accrual (% a year)":"職域年金の積立率（年 %）","Box 1 tax 2026":"ボックス1の税 2026年","35.75% up to €38,883 (of which 27.65% national insurance: AOW, Anw, Wlz), 37.56% up to €78,426, 49.50% above. General tax credit up to €3,115 (fading 6.398% above €29,736) and labour tax credit up to €5,685. The Bonus field holds the 8% holiday allowance (vakantiegeld).":"€38,883まで35.75%（うち27.65%は国民保険：AOW、Anw、Wlz）、€78,426まで37.56%、それを超える部分は49.50%。一般税額控除は最大€3,115（€29,736超で6.398%逓減）、労働税額控除は最大€5,685。「賞与」欄には8%の休暇手当（vakantiegeld）が入っています。","Employer and pension fund":"雇用主と年金基金","Employees pay no separate social contributions; the employer pays unemployment (2.74%), disability (6.27% + 0.50%), sector fund (~1.52%) and health (Zvw 6.10%) up to €79,409. Most employees also pay into a sector pension fund, usually 6–9% of pay above a franchise: enter yours.":"従業員は個別の社会保険料を払いません。雇用主が失業（2.74%）、障害（6.27% + 0.50%）、業種別基金（約1.52%）、健康（Zvw 6.10%）を€79,409まで負担します。ほとんどの従業員は業種別年金基金にも拠出し、通常は控除額を超える給与の6〜9%です。ご自身の値を入力してください。","The 30% ruling for new residents, health-insurance premium (~€150/month, paid separately) and allowances (zorgtoeslag, huurtoeslag, kindgebonden budget).":"新規居住者向けの30%ルーリング、健康保険料（月約€150、別途支払い）、手当（zorgtoeslag、huurtoeslag、kindgebonden budget）。","Dutch law sets no overtime premium; it comes from your contract or collective agreement (cao), often 25–50% or time off. Max 12 hours a day and 60 a week, 48 a week on average over 16 weeks.":"オランダの法律には時間外割増の定めがなく、契約または労働協約（cao）で決まります。多くは25〜50%か代休です。1日最大12時間、週60時間、16週平均で週48時間。","Overtime is taxed like normal pay at your marginal box 1 rate, which includes the phase-out of tax credits.":"時間外労働は通常の給与と同様に、税額控除の逓減を含むボックス1の限界税率で課税されます。","Zzp (sole trader)":"Zzp（個人事業主）","Self-employed deduction €1,200 (1,225 hours a year), then the SME profit exemption of 12.7%; box 1 tax with the general and labour credits; income-related health contribution 4.85% up to €79,412. No unemployment or disability cover and no pension fund unless you arrange it.":"自営業者控除€1,200（年1,225時間）、その後12.7%の中小企業利益免除。一般控除と労働控除を適用したボックス1の税、所得比例の健康保険料4.85%（€79,412まで）。自分で手配しない限り、失業・障害保障も年金基金もありません。","AOW (state pension)":"AOW（国家年金）","2% for every year you live or work in the Netherlands in the 50 years before AOW age; full single AOW €1,662.16 gross a month (July 2026). AOW age 67 in 2026–2027 and 67 years 3 months from 2028, then linked to life expectancy.":"AOW年齢までの50年間にオランダに住むか働いた1年ごとに2%。単身者の満額AOWは月額総額€1,662.16（2026年7月）。AOW年齢は2026〜2027年は67歳、2028年から67歳3か月、その後は平均余命に連動。","Most employees build a second pension in a sector fund, moving to the new contribution-based system (Wtp) by 2028. Here estimated as an accrual per year on pay above the franchise; check your fund’s Uniform Pension Overview (UPO) on mijnpensioenoverzicht.nl.":"ほとんどの従業員は業種別基金で第2の年金を積み立てており、2028年までに新しい拠出建て制度（Wtp）に移行します。ここでは控除額を超える給与に対する年間積立として推計しています。基金の統一年金概要（UPO）はmijnpensioenoverzicht.nlでご確認ください。","Tax in retirement":"退職後の税金","From AOW age the first bracket drops to 17.85% (no AOW premium) and credits are lower. Early workplace pension is possible from about 60 with a lower amount (≈5% a year here).":"AOW年齢からは第1区分が17.85%に下がり（AOW保険料なし）、税額控除は少なくなります。職域年金は約60歳から減額された金額で早期受給できます（ここでは年約5%）。","Lijfrente / extra pension saving: contributions within the annual room (jaarruimte) are deducted at your box 1 rate; payouts from retirement are taxed as income, usually at a lower rate. Money saved outside it falls in box 3 (wealth tax on a deemed return).":"Lijfrente / 追加の年金貯蓄：年間枠（jaarruimte）内の拠出はボックス1の税率で控除され、退職後の受け取りは所得として課税されます（通常はより低い税率）。枠外の貯蓄はボックス3（みなし収益に対する資産課税）に入ります。","King’s Day":"国王の日","At least 4 times your weekly working days a year (20 on a 5-day week); most collective agreements give 25. Statutory days expire 6 months after the year ends. Holiday allowance of 8% of pay is paid on top, usually in May. Liberation Day (5 May) is a paid holiday only in some agreements, every year or every 5 years.":"年に少なくとも週労働日数の4倍（週5日制で20日）。ほとんどの労働協約では25日。法定日数は年末から6か月後に失効します。給与の8%の休暇手当が別途、通常5月に支払われます。解放記念日（5月5日）は一部の協約でのみ、毎年または5年ごとの有給休日です。","Pregnancy and maternity leave":"妊娠・出産休暇","16 weeks (4–6 before the due date)":"16週（予定日の4〜6週前から）","100% from UWV, up to the maximum daily wage":"UWVから100%、日額上限まで","Birth leave for the partner":"パートナーの出生休暇","1 working week within 4 weeks of the birth":"出産後4週以内に1労働週","100% by employer":"雇用主から100%","Additional birth leave":"追加の出生休暇","5 weeks within 6 months of the birth":"出産後6か月以内に5週間","70% from UWV":"UWVから70%","26 times your weekly hours per parent until the child is 8; 9 weeks paid if taken in the first year":"子どもが8歳になるまで親1人につき週労働時間の26倍。1年目に取得すれば9週間は有給","70% from UWV for 9 weeks, rest unpaid":"UWVから9週間70%、残りは無給","Short-term care leave":"短期介護休暇","2 times your weekly hours a year to care for a sick relative":"病気の親族の介護のため年に週労働時間の2倍","70% by employer":"雇用主から70%","Long-term care leave":"長期介護休暇","6 times your weekly hours a year":"年に週労働時間の6倍","Up to 2 years of continued pay":"最長2年間の給与継続","At least 70% (often 100% the 1st year)":"少なくとも70%（1年目は100%のことが多い）","Dismissal (UWV permit or court)":"解雇（UWVの許可または裁判所）","Settlement agreement (vaststellingsovereenkomst)":"和解契約（vaststellingsovereenkomst）","On dismissal by the employer: ⅓ of a month’s pay (including holiday allowance and fixed extras) for every year of service, counted pro rata, from day one; maximum €102,000 or one year’s pay if higher (2026). Taxed as income. In a settlement agreement the amount is negotiated, often at least this.":"雇用主による解雇の場合：勤続1年ごとに給与（休暇手当と固定の上乗せを含む）の⅓か月分、日割りで初日から。上限は€102,000、または年収がそれより高ければ1年分（2026年）。所得として課税。和解契約では金額は交渉で決まり、多くはこれ以上です。","Employer: 1 month under 5 years of service, 2 months for 5–10, 3 for 10–15, 4 from 15 (1 month less after a UWV permit, minimum 1). Employee: 1 month.":"雇用主：勤続5年未満は1か月、5〜10年は2か月、10〜15年は3か月、15年からは4か月（UWVの許可後は1か月短縮、最低1か月）。従業員：1か月。","Unemployment benefit (WW)":"失業手当（WW）","75% of your daily wage for 2 months, then 70%, with the daily wage capped at €304.25 (2026). Duration: 3 months, plus 1 month per year of work history (half a month per year after 10 years), up to 24 months. You must have worked 26 of the last 36 weeks; not after resigning.":"最初の2か月は日額賃金の75%、その後70%、日額賃金の上限は€304.25（2026年）。期間：3か月に、就労歴1年ごとに1か月（10年以降は1年ごとに半月）を加え、最大24か月。過去36週のうち26週働いている必要があり、自己都合退職では対象外。","The Bonus field holds your 8% holiday allowance (vakantiegeld): remove it if your pay already includes it.":"「賞与」欄には8%の休暇手当（vakantiegeld）が入っています。給与にすでに含まれている場合は削除してください。","Above €45,592 the labour tax credit fades by 6.51% of each extra euro, so your real marginal rate is higher than the 37.56% bracket.":"€45,592を超えると労働税額控除が追加1ユーロごとに6.51%逓減するため、実際の限界税率は37.56%の区分より高くなります。","Kinderbijslag €295–426 per child per quarter depending on age (2026), not means-tested; the income-related kindgebonden budget comes on top for lower incomes.":"児童手当（Kinderbijslag）は年齢により子ども1人あたり四半期€295〜426（2026年）、所得制限なし。低所得者には所得比例のkindgebonden budgetが上乗せされます。","Transition payment ⅓ month per year (taxed)":"移行手当は1年につき⅓か月（課税）","16 weeks at 100% (UWV)":"16週100%（UWV）","1 week at 100% + 5 weeks at 70%":"1週100% + 5週70%","26 weeks per parent until 8; 9 paid at 70% in the 1st year":"8歳まで親1人につき26週。1年目の9週間は70%で有給","Up to 2 years at 70% or more":"最長2年間、70%以上","Annual tax as in the return; monthly payroll withholding uses the tables and credits spread over the year. The 30% ruling, health-insurance premium, allowances and cao-specific extras are not modelled.":"年間の税額は確定申告どおりです。月々の給与源泉徴収は税率表と年間に按分した控除を使います。30%ルーリング、健康保険料、手当、cao固有の上乗せはモデル化していません。","Official sources: Belastingdienst, SVB (AOW, kinderbijslag), UWV, mijnpensioenoverzicht.nl.":"公式情報源：Belastingdienst、SVB（AOW、Kinderbijslag）、UWV、mijnpensioenoverzicht.nl。","General tax credit at €50,000":"€50,000での一般税額控除","General tax credit reaches zero":"一般税額控除がゼロになる所得","Maximum labour tax credit (at €45,592)":"労働税額控除の最大額（€45,592で）","Box 1 tax before credits, €60,000":"控除前のボックス1の税、€60,000","Full single AOW (per month, gross)":"単身者の満額AOW（月額、総額）","Transition payment, 6 years at €4,320/month (incl. holiday pay)":"移行手当、月€4,320（休暇手当込み）で6年","Maximum WW base per month":"WWの基礎額の月額上限","Kinderbijslag, child 6–11, first half 2026 (per quarter)":"児童手当、6〜11歳の子ども、2026年上半期（四半期）","Social security 13.07% after the work bonus":"ワークボーナス後の社会保障 13.07%","Special social-security contribution":"特別社会保障拠出金","Work bonus (lower contributions + tax credit)":"ワークボーナス（保険料軽減 + 税額控除）","Flat professional expenses deducted (30%, max €6,070)":"定額職業経費控除（30%、最大€6,070）","Tax-free sum":"非課税額","Child benefit, Flanders (paid separately)":"児童手当、フランデレン（別途支給）","Social contributions for the self-employed (20.5%)":"自営業者の社会保険料（20.5%）","worked, or paid as an indemnity":"勤務、または補償として支払い","If you resign":"自己都合退職の場合","Belgium":"ベルギー","Municipal surcharge (%)":"市町村付加税（%）","Household rate (spouse with no or low pension)":"世帯率（配偶者の年金がないか少ない）","Income tax 2026":"所得税 2026年","Income 2026 (tax year 2027): 25% up to €16,720, 40% up to €29,510, 45% up to €51,070, 50% above, after social security and flat professional expenses (30%, max €6,070). Tax-free sum €11,550 plus €2,130 for 1 child, €5,130 for 2, €11,440 for 3. Municipal surcharge 0–9% of the tax (often 6–8%). Default pay: 13 months (end-of-year bonus) plus double holiday pay of 92% of a month in the Bonus field.":"2026年所得（2027課税年度）：社会保障と定額職業経費（30%、最大€6,070）を差し引いた後、€16,720まで25%、€29,510まで40%、€51,070まで45%、それを超える部分は50%。非課税額€11,550に、子ども1人で€2,130、2人で€5,130、3人で€11,440を加算。市町村付加税は税額の0〜9%（多くは6〜8%）。既定の給与：13か月分（年末賞与）に、「賞与」欄で月給の92%の二重休暇手当。","Employee 13.07% of gross pay, reduced by the work bonus for monthly pay up to €3,403.62 (plus a tax credit of 33.14% / 52.54% of it). Special social-security contribution €0–60.94 a month depending on pay. Employer about 25% (capped from 2026), before structural reductions for low wages.":"従業員は総支給の13.07%。月給€3,403.62まではワークボーナスで減額されます（加えてその33.14% / 52.54%の税額控除）。特別社会保障拠出金は給与に応じて月€0〜60.94。雇用主は約25%（2026年から上限あり）、低賃金向けの構造的減額前。","Joint taxation of married couples (marital quotient), meal vouchers, company car and other benefits in kind, regional tax differences and the refundable child tax credit.":"夫婦の合算課税（夫婦係数）、食事券、社用車その他の現物給付、地域による税の違い、還付される子ども税額控除。","+50% for hours beyond 9 a day or 40 a week (or the agreed limit), +100% on Sundays and public holidays. Up to 11 hours a day and 50 a week; overtime must usually be recovered as time off within the reference period, except voluntary overtime (up to 360 hours a year from 2026).":"1日9時間または週40時間（または合意した上限）を超える時間は+50%、日曜と祝日は+100%。1日最大11時間、週50時間。時間外労働は通常、基準期間内に代休で回収する必要がありますが、任意の時間外労働（2026年から年最大360時間）は除きます。","Overtime is taxed at your marginal rate here. A special tax reduction on the first 180 overtime hours with a premium and the new tax-free voluntary hours can lower this; ask your payroll.":"ここでは時間外労働は限界税率で課税されます。割増付きの最初の180時間に対する特別な税額軽減と、新しい非課税の任意時間外労働で軽くなる場合があります。給与担当にお尋ねください。","11 h / day, 50 h / week":"1日11時間、週50時間","Self-employed (zelfstandige / indépendant)":"自営業者（zelfstandige / indépendant）","Social contributions 20.5% of net taxable income up to €75,024.54 and 14.16% up to €110,562.42, nothing above; minimum €890.42 a quarter in your main occupation (2026), plus the social-insurance fund’s fee (about 3–4%). Profit is taxed on the normal scale with the tax-free sum; actual business costs are deducted.":"社会保険料は純課税所得の€75,024.54までが20.5%、€110,562.42までが14.16%、それを超える部分はなし。本業の場合は最低で四半期€890.42（2026年）、加えて社会保険基金の手数料（約3〜4%）。利益は非課税額を適用した通常の税率表で課税され、実際の事業経費が控除されます。","Statutory pension":"法定年金","60% (or 75% household rate) of your career pay, capped at €82,608.94 a year, ÷ 45 for each year worked (max 45). Minimum pension €1,881.92 gross a month for a single person with a full career, pro rata from 30 years.":"キャリア給与（年€82,608.94が上限）の60%（世帯率なら75%）÷ 45 × 勤続年数（最大45）。単身者で満額のキャリアの場合の最低年金は月額総額€1,881.92、30年から比例。","Pension age":"年金年齢","Legal age 66 from 2025 and 67 from 2030 (born from 1964). Early: at 60 with 44 career years, 61 with 43, 63 with 42. From 2026 early retirement with fewer than 35 years of at least 156 working days costs 2–5% a year (by year of birth).":"法定年齢は2025年から66歳、2030年から67歳（1964年以降生まれ）。繰上げ：キャリア44年で60歳、43年で61歳、42年で63歳。2026年からは、156労働日以上の年が35年未満で繰上げると年2〜5%（生年による）の減額。","Net pension":"手取り年金","3.55% health contribution on higher pensions, income tax with the tax-free sum and a pension tax reduction (€2,182.06, reduced for higher incomes); small pensions pay no tax. Many employees also have a group insurance (2nd pillar) through the employer.":"高めの年金には3.55%の健康保険料、非課税額と年金税額軽減（€2,182.06、高所得では減額）を適用した所得税。少額の年金は非課税。多くの従業員は雇用主を通じた団体保険（第2の柱）にも加入しています。","Pension savings (pensioensparen / épargne-pension): a 30% tax credit on up to €1,050 a year, or 25% on up to €1,350. The fund is taxed once at 8% when you turn 60, then paid out tax-free. Employer group insurance is tax-free for you within the 80% rule; the employer pays 4.4% tax on the premiums.":"年金貯蓄（pensioensparen / épargne-pension）：年€1,050までは30%、€1,350までは25%の税額控除。60歳になると基金に一度だけ8%課税され、その後は非課税で支払われます。雇用主の団体保険は80%ルールの範囲内で本人には非課税、雇用主は保険料に4.4%の税を払います。","20 days on a 5-day week (4 weeks), earned by working the previous year; in your first job you can take European supplementary leave. Holiday pay: your normal pay plus double holiday pay of 92% of a month. 10 public holidays; one falling on a Sunday is replaced by another day off.":"週5日制で20日（4週間）、前年に働いた分で獲得。最初の仕事ではヨーロッパ補足休暇を取得できます。休暇給与：通常の給与に月給の92%の二重休暇手当。祝日は10日。日曜に当たる祝日は別の休日に振り替えられます。","15 weeks (up to 6 before the birth, 9 after)":"15週（出産前最大6週、出産後9週）","82% of pay for 30 days, then 75% (capped), from health insurance":"健康保険から30日間は給与の82%、その後75%（上限あり）","Birth leave for the co-parent":"共同親の出生休暇","20 days within 4 months of the birth":"出産後4か月以内に20日","3 days 100% by employer, then 82% (capped) from health insurance":"3日は雇用主から100%、その後健康保険から82%（上限あり）","4 months full time per parent per child until age 12 (or part time for longer)":"子ども1人につき12歳まで親1人あたりフルタイムで4か月（パートタイムならより長期間）","Flat allowance from the National Employment Office (about €1,000 a month full time)":"国家雇用局からの定額手当（フルタイムで月約€1,000）","1 month full time per person cared for, up to 6 months in a career; 5 days a year unpaid care leave":"介護対象者1人につきフルタイムで1か月、キャリア全体で最大6か月。年5日の無給介護休暇","Flat allowance":"定額手当","Urgent family reasons":"家族の緊急事態","Up to 10 days a year":"年最大10日","Guaranteed pay for the first month (white-collar)":"最初の1か月は給与保証（ホワイトカラー）","100% by employer, then 60% (capped) from health insurance":"雇用主から100%、その後健康保険から60%（上限あり）","Dismissal by the employer":"雇用主による解雇","Notice or indemnity":"予告または補償","Notice depends only on seniority (single status, 2014): 1 week under 3 months, 12 weeks after 2 years, 18 after 5, +3 a week per year to 60 at 19 years, 62 at 20, then +1 a year. The employer can pay the notice period instead (taxed). With 30 weeks or more, a third goes to job-search support (outplacement, training).":"予告期間は勤続年数のみで決まります（統一ステータス、2014年）：3か月未満は1週間、2年後12週、5年後18週、以降1年ごとに+3週で19年で60週、20年で62週、その後は1年ごとに+1週。雇用主は予告期間の代わりに支払うこともできます（課税）。30週以上の場合、3分の1は求職支援（再就職支援、研修）に充てられます。","Resignation":"自己都合退職","1 week under 3 months of service, rising to a maximum of 13 weeks after 8 years.":"勤続3か月未満は1週間、8年後に最大13週まで増加。","From March 2026: 65% of your capped daily pay for 3 months, then 60%, with lower caps over time (max €2,812.94 a month at first, amounts from September 2026). Limited to 12 months plus 1 month per 4 extra months of work, max 24. Not after resigning.":"2026年3月から：最初の3か月は上限付き日額給与の65%、その後60%、時間とともに上限が下がります（当初は月最大€2,812.94、2026年9月からの金額）。期間は12か月に、追加の勤務4か月ごとに1か月を加え、最大24か月。自己都合退職では対象外。","The Bonus field holds the double holiday pay (92% of a month); the 13th month comes from paying 13 salaries.":"「賞与」欄には二重休暇手当（月給の92%）が入っています。13か月目は13回の給与支払いで反映されます。","Your pay qualifies for the work bonus: lower employee contributions and an extra tax credit.":"あなたの給与はワークボーナスの対象です：従業員の保険料が軽減され、追加の税額控除があります。","Paying €1,050 a year into pension savings gives back €315 in tax (30%) plus the municipal surcharge.":"年金貯蓄に年€1,050を拠出すると、税金€315（30%）と市町村付加税分が戻ります。","Child benefit is regional: Flanders (Groeipakket) €190.66 a month per child born from 2019 (September 2026), Wallonia and Brussels have their own amounts and age supplements. Married couples are taxed jointly, which this table does not model.":"児童手当は地域ごとです：フランデレン（Groeipakket）は2019年以降に生まれた子ども1人につき月€190.66（2026年9月）、ワロン地域とブリュッセルは独自の金額と年齢加算があります。夫婦は合算で課税されますが、この表ではモデル化していません。","15 weeks at 82%, then 75% (capped)":"15週82%、その後75%（上限あり）","20 days (3 at 100%, rest 82%)":"20日（3日は100%、残りは82%）","4 months per parent until 12, flat allowance":"12歳まで親1人につき4か月、定額手当","1 month at 100% (white-collar), then 60%":"1か月100%（ホワイトカラー）、その後60%","White-collar employee taxed individually; annual tax as in the return (monthly withholding uses tables and can differ). Double holiday pay is treated like normal pay for contributions. Employer cost is the 25% basic rate without structural or first-hire reductions.":"個別に課税されるホワイトカラー従業員。年間の税額は確定申告どおりです（月々の源泉徴収は税率表を使うため異なる場合があります）。二重休暇手当は保険料上は通常の給与と同様に扱います。雇用主コストは構造的減額や初回雇用の減額なしの基本料率25%です。","Official sources: FPS Finance (Tax-Calc), National Social Security Office (RSZ/ONSS instructions), Federal Pension Service (mypension.be), National Employment Office (RVA/ONEM), Groeipakket.":"公式情報源：FPS Finance（Tax-Calc）、国家社会保障庁（RSZ/ONSSの指示）、連邦年金局（mypension.be）、国家雇用局（RVA/ONEM）、Groeipakket。","Tax on €51,070 before the tax-free sum":"非課税額適用前の€51,070に対する税","Tax relief on the basic tax-free sum (€11,550)":"基本非課税額（€11,550）による税の軽減","Maximum flat professional expenses":"定額職業経費の上限","Work bonus at €2,000/month (A + B, per month)":"月€2,000でのワークボーナス（A + B、月額）","Work bonus at €3,200/month (per month)":"月€3,200でのワークボーナス（月額）","Special SS contribution at €5,000/month (per quarter)":"月€5,000での特別社会保障拠出金（四半期）","Special SS contribution, maximum (per quarter)":"特別社会保障拠出金、上限（四半期）","Self-employed minimum contributions (per year)":"自営業者の最低保険料（年額）","Notice after 10 years of service (weeks)":"勤続10年後の予告（週）","Notice after 20 years of service (weeks)":"勤続20年後の予告（週）","Maximum unemployment benefit, months 1–3 (per month)":"失業手当の上限、1〜3か月目（月額）","Minimum pension, single, full career (per month)":"最低年金、単身、満額のキャリア（月額）","Groeipakket base amount (per child, per month)":"Groeipakketの基本額（子ども1人、月額）","Pension insurance 8.5%":"年金保険 8.5%","Health insurance 3.05%":"健康保険 3.05%","Long-term care 1.4% (after a quarter of the minimum wage)":"介護保険 1.4%（最低賃金の4分の1を超える部分）","Family allowance (paid separately, from age 0)":"家族手当（別途支給、0歳から）","Self-employed contributions (pension 17%, health, care, accident)":"自営業者の保険料（年金17%、健康、介護、労災）","paid; the employer can release you from working it":"支払われます。雇用主は勤務を免除できます","Luxembourg":"ルクセンブルク","Class 1 (single)":"クラス1（単身）","Class 2 (married or partnered, joint)":"クラス2（既婚またはパートナー、合算）","Single parent (credit, class 1)":"ひとり親（控除、クラス1）","23 brackets from 0% (up to €13,230) to 42% (above €234,870); 39% from €54,090. Class 2 (married or partnered) splits income in two. 7% employment-fund surcharge on the tax (9% above €150,000). Employee credit up to €600 and CO2 credit €216 a year (none from €80,000 gross). Flat deductions €540 for expenses and €480 special expenses.":"0%（€13,230まで）から42%（€234,870超）までの23区分。€54,090から39%。クラス2（既婚またはパートナー）は所得を2つに分割。税額に7%の雇用基金付加税（€150,000超は9%）。従業員税額控除は最大€600、CO2控除は年€216（総支給€80,000からはなし）。定額控除は経費€540、特別経費€480。","Employee 12.95%: pension 8.5% (up from 8% in 2026), health 3.05%, long-term care 1.4% (on pay above a quarter of the minimum wage, no ceiling). Ceiling 5× the minimum wage: €13,856.63 a month from June 2026. Employer about 12.6% (pension 8.5%, health 3.05%, accident 0.65%, occupational health 0.14%, employers’ mutual 0.23–2.66%).":"従業員12.95%：年金8.5%（2026年に8%から引き上げ）、健康3.05%、介護1.4%（最低賃金の4分の1を超える給与に対して、上限なし）。上限は最低賃金の5倍：2026年6月から月€13,856.63。雇用主は約12.6%（年金8.5%、健康3.05%、労災0.65%、産業保健0.14%、雇用主共済0.23〜2.66%）。","Class 1a (single parents, widowed) uses its own scale; travel-distance deductions, interest and insurance deductions, and the cross-border worker rules are not modelled. Wages are indexed automatically (last step June 2026).":"クラス1a（ひとり親、配偶者と死別）は独自の税率表を使います。通勤距離控除、利息・保険控除、越境労働者の規則はモデル化していません。賃金は自動的に物価スライドされます（直近は2026年6月）。","+40% for overtime (or 1.5 hours off per hour), +70% on Sundays, +100% on public holidays. Max 10 hours a day and 48 a week; overtime needs prior authorisation.":"時間外労働は+40%（または1時間につき1.5時間の代休）、日曜は+70%、祝日は+100%。1日最大10時間、週48時間。時間外労働には事前の許可が必要です。","Overtime pay, and Sunday, holiday and night premiums, are exempt from income tax; social contributions still apply. Applied here.":"時間外手当と日曜、祝日、深夜の割増は所得税が免除されますが、社会保険料はかかります。ここでは適用しています。","10 h / day, 48 h / week":"1日10時間、週48時間","Self-employed (indépendant)":"自営業者（indépendant）","Contributions on profit, at least on the minimum wage and at most on the ceiling: pension 17%, health 6.1%, accident 0.65%, employers’ mutual, plus 1.4% long-term care on all income. Profit is taxed on the normal scale with the self-employed credit (up to €600) and CO2 credit (€216).":"利益に対する保険料（最低賃金を下限、上限額を上限）：年金17%、健康6.1%、労災0.65%、雇用主共済、加えて全所得に介護1.4%。利益は自営業者控除（最大€600）とCO2控除（€216）を適用した通常の税率表で課税されます。","Old-age pension (CNAP)":"老齢年金（CNAP）","Flat part: up to €678.70 a month for 40 years (index 992.24) + proportional part: 1.763% of all your insured pay (2026), plus 0.016% for each year that age + career exceeds 95, max 2.05%. Minimum €2,436.04 a month with 40 years (pro rata from 20).":"定額部分：40年で月最大€678.70（指数992.24）+ 比例部分：被保険給与全体の1.763%（2026年）、年齢 + キャリアが95を超える1年ごとに0.016%加算、最大2.05%。40年加入で最低月€2,436.04（20年から比例）。","65 with at least 10 years of insurance; from 60 with 40 years (including credited periods) or from 57 with 40 years of contributions, without reduction. Pensions follow wage indexation.":"保険期間10年以上で65歳。40年（算入期間を含む）で60歳から、または保険料納付40年で57歳から、減額なし。年金は賃金の物価スライドに連動します。","Health 2.8% and long-term care 1.4%, then income tax with the pensioner credit (similar to the employee credit).":"健康2.8%と介護1.4%、その後年金受給者控除（従業員控除と同様）を適用した所得税。","Private pension plans (art. 111bis) are deductible up to €4,500 a year per person (2026). Employer pension contributions are taxed at a flat 20% paid by the employer.":"個人年金プラン（第111bis条）は1人につき年€4,500まで控除可能（2026年）。雇用主の年金拠出には雇用主負担で一律20%の税がかかります。","Private pension savings (prévoyance-vieillesse, art. 111bis): deductible up to €4,500 a year, for at least 11 years and paid out not before 60. At payout up to half can be taken as a lump sum taxed at half your rate; the rest as an annuity, half of which is tax-free.":"個人年金貯蓄（prévoyance-vieillesse、第111bis条）：年€4,500まで控除可能、11年以上継続し、60歳より前には支払われません。受け取り時は最大半分を一時金として税率の半分で課税され、残りは年金で、その半分は非課税です。","Europe Day":"ヨーロッパの日","St Stephen’s Day":"聖ステファノの日","26 working days a year (5-day week), whatever your age; collective agreements may add more. 11 public holidays; one falling on a Sunday gives a replacement day within 3 months.":"年齢を問わず年26労働日（週5日制）。労働協約でさらに追加される場合があります。祝日は11日。日曜に当たる祝日は3か月以内に振替休日が与えられます。","20 weeks (8 before, 12 after the birth)":"20週（出産前8週、出産後12週）","100% of pay from health insurance (up to the ceiling)":"健康保険から給与の100%（上限まで）","10 days within 2 months of the birth":"出産後2か月以内に10日","100% (employer, partly reimbursed by the state)":"100%（雇用主、一部を国が補填）","4 or 6 months full time per parent until the child is 6 (also part time or split)":"子どもが6歳になるまで親1人につきフルタイムで4か月または6か月（パートタイムや分割も可）","Allowance based on pay, between the minimum wage and 5/3 of it":"給与に基づく手当、最低賃金からその5/3まで","Leave for family reasons":"家族の事情による休暇","12 days per child under 4, 18 for ages 4–12, 5 for 13–17":"4歳未満の子ども1人につき12日、4〜12歳は18日、13〜17歳は5日","100% (health insurance)":"100%（健康保険）","5 days a year":"年5日","Employer pays until the end of the month of the 77th day, then health insurance":"77日目が属する月の末まで雇用主が支給、その後は健康保険","100% of pay, up to 78 weeks in 104":"給与の100%、104週のうち最大78週","Dismissal with notice":"予告付きの解雇","By the employer: 2 months under 5 years of service, 4 months for 5–10 years, 6 months from 10. By you: half of that (1, 2 or 3 months).":"雇用主から：勤続5年未満は2か月、5〜10年は4か月、10年からは6か月。本人から：その半分（1、2、3か月）。","After 5 years: 1 month’s pay, 2 after 10, 3 after 15, 6 after 20, 9 after 25, 12 after 30 (small employers may extend the notice instead). Free of tax and social contributions. Not due on resignation or serious misconduct.":"5年後：給与1か月分、10年後2か月、15年後3か月、20年後6か月、25年後9か月、30年後12か月（小規模な雇用主は代わりに予告を延長できます）。税金と社会保険料は免除。自己都合退職や重大な過失の場合は支払われません。","80% of your gross pay (85% with a dependent child), capped at 2.5× the minimum wage (€6,928 a month) for 6 months, then 2×. Paid for as many months as you worked in the last 12 (at least 26 weeks), max 12; taxed. Not after resigning.":"総支給の80%（扶養する子どもがいれば85%）、6か月間は最低賃金の2.5倍（月€6,928）が上限、その後は2倍。過去12か月に働いた月数分（最低26週）、最大12か月支給、課税。自己都合退職では対象外。","Married or in a registered partnership? Class 2 usually lowers the tax a lot; choose it above.":"既婚または登録パートナーシップですか？通常クラス2で税金が大きく下がります。上で選択してください。","Overtime and Sunday or holiday premiums are tax-free in Luxembourg: see the Extra pay tab.":"ルクセンブルクでは時間外労働と日曜・祝日の割増は非課税です：「追加の給与」タブを参照してください。","Family allowance €315.04 a month per child from June 2026, +€23.81 from age 6 and +€59.44 from age 12, paid regardless of income. Couples taxed in class 2 split their joint income.":"家族手当は2026年6月から子ども1人につき月€315.04、6歳から+€23.81、12歳から+€59.44、所得に関係なく支給。クラス2で課税される夫婦は合算所得を分割します。","Severance after 5 years (1–12 months, tax-free)":"5年後の退職金（1〜12か月、非課税）","20 weeks at 100%":"20週100%","10 days at 100%":"10日100%","4–6 months per parent until 6, paid allowance":"6歳まで親1人につき4〜6か月、有給の手当","100% up to 78 weeks":"最大78週100%","Resident employee; annual tax as in the assessment (monthly withholding follows the tax card and can differ slightly). Class 1a, cross-border (non-resident) rules and individual deductions are not modelled. Employer cost uses mutual class 1.":"居住者の従業員。年間の税額は賦課決定どおりです（月々の源泉徴収は税カードに従うためわずかに異なる場合があります）。クラス1a、越境（非居住者）の規則、個人の控除はモデル化していません。雇用主コストは共済クラス1を使います。","Official sources: Administration des contributions directes (ACD), CCSS (social parameters), CNAP (pensions), ADEM (unemployment), CAE (family allowance), guichet.lu.":"公式情報源：Administration des contributions directes（ACD）、CCSS（社会保障パラメータ）、CNAP（年金）、ADEM（失業）、CAE（家族手当）、guichet.lu。","Tax class 1 on €54,090 (before surcharge)":"€54,090に対する税クラス1（付加税前）","Employee tax credit at €30,000 gross":"総支給€30,000での従業員税額控除","Employee + CO2 credit at €60,000 gross":"総支給€60,000での従業員 + CO2控除","Employee contributions, €5,000/month":"従業員の保険料、月€5,000","Monthly contribution ceiling (5× minimum wage)":"月額保険料上限（最低賃金の5倍）","Minimum pension, 40 years (per month)":"最低年金、40年（月額）","Severance after 20 years (months of pay)":"20年後の退職金（給与の月数）","Maximum unemployment benefit, months 1–6":"失業手当の上限、1〜6か月目","Family allowance per child (per month)":"子ども1人あたりの家族手当（月額）","Social insurance on monthly pay (18.07%)":"月給に対する社会保険（18.07%）","Social insurance on 13th/14th salary (17.07%)":"13・14か月目の給与に対する社会保険（17.07%）","Wage tax on monthly pay (after credits)":"月給に対する給与税（控除後）","Wage tax on 13th/14th salary (6%)":"13・14か月目の給与に対する給与税（6%）","Familienbonus Plus (tax credit)":"Familienbonus Plus（税額控除）","Family allowance + child credit (paid separately, age 3–9)":"家族手当 + 子ども控除（別途支給、3〜9歳）","Social insurance for the self-employed (SVS)":"自営業者の社会保険（SVS）","6 weeks":"6週間","Severance fund payout (Abfertigung neu, 1.53% a year, taxed 6%)":"退職金基金からの支払い（Abfertigung neu、年1.53%、6%で課税）","to the end of a quarter, unless agreed otherwise":"別段の合意がない限り四半期末まで","Severance fund (after 3 years)":"退職金基金（3年後）","annual pay":"年収","Austria":"オーストリア","Single earner or single parent (credit)":"片働きまたはひとり親（控除）","Wage tax 2026":"給与税 2026年","On monthly pay: 0% to €13,539, 20% to €21,992, 30% to €36,458, 40% to €70,365, 48% to €104,859, 50% to €1 million, 55% above (a year), minus the transport credit €496. 13th and 14th salaries: €620 free, then 6% (up to one sixth of the year’s pay). Familienbonus Plus €2,000.16 a year per child under 18.":"月給に対して：€13,539まで0%、€21,992まで20%、€36,458まで30%、€70,365まで40%、€104,859まで48%、€100万まで50%、それを超える部分は55%（年額）、交通費控除€496を差し引き。13・14か月目の給与：€620は非課税、その後6%（年収の6分の1まで）。Familienbonus Plusは18歳未満の子ども1人につき年€2,000.16。","Employee 18.07% (pension 10.25%, health 3.87%, unemployment 2.95%, chamber of labour 0.5%, housing 0.5%) up to €6,930 a month (0.25% more in Vienna); 17.07% on 13th/14th salary up to €13,860 a year. Unemployment insurance is 0–2% below €2,630 a month. Employer about 21.2% plus 3.7% family fund, municipal tax 3% and 1.53% severance fund.":"従業員18.07%（年金10.25%、健康3.87%、失業2.95%、労働会議所0.5%、住宅0.5%）を月€6,930まで（ウィーンは0.25%増）。13・14か月目の給与には年€13,860まで17.07%。月€2,630未満は失業保険が0〜2%。雇用主は約21.2%に加え、家族基金3.7%、市町村税3%、退職金基金1.53%。","Commuter allowance (Pendlerpauschale), negative tax refunds for low incomes, tax-free overtime and night premiums, and collective-agreement extras.":"通勤手当（Pendlerpauschale）、低所得者への負の税還付、非課税の時間外・深夜割増、労働協約による上乗せ。","+50% for overtime (beyond 40 hours or the agreed normal hours), usually +100% on Sundays and public holidays by collective agreement. Max 12 hours a day and 60 a week, 48 on average over 17 weeks.":"時間外労働（40時間または合意した通常時間を超える分）は+50%、日曜と祝日は労働協約で通常+100%。1日最大12時間、週60時間、17週平均で48時間。","Part of the overtime premiums (for about 10 hours a month) and Sunday, holiday and night premiums up to €360 a month are tax-free; this tool taxes all extra pay at your marginal rate, so it slightly understates what you keep.":"時間外割増の一部（月約10時間分）と、月€360までの日曜、祝日、深夜の割増は非課税です。このツールはすべての追加給与を限界税率で課税するため、手元に残る額をやや少なく見積もります。","12 h / day, 60 h / week":"1日12時間、週60時間","New self-employed (SVS)":"新規自営業者（SVS）","Social insurance on profit: pension 18.5%, health 6.8%, self-employed provision 1.53%, accident €12.07 a month; minimum base €551.10 and maximum €8,085 a month (2026). 15% basic profit allowance on profit up to €33,000, then the normal tariff. No 6% rate on 13th/14th salaries.":"利益に対する社会保険：年金18.5%、健康6.8%、自営業者積立1.53%、労災月€12.07。基礎額の最低は月€551.10、最高は€8,085（2026年）。€33,000までの利益に15%の基礎利益控除、その後は通常の税率。13・14か月目の給与への6%税率はなし。","Pension account (APG)":"年金口座（APG）","Every year 1.78% of your contribution base (max €97,020 in 2026) is credited and revalued with average wages. The annual credit is your yearly pension, paid in 14 instalments; at least 15 years of insurance are needed.":"毎年、保険料算定基礎（2026年は最大€97,020）の1.78%が加算され、平均賃金で再評価されます。年間の加算額があなたの年額年金で、14回に分けて支払われます。少なくとも15年の保険期間が必要です。","65 for men; for women rising from 60 to 65 for those born 1964–1968. Corridor pension from 62 with 40 years (rising to 63 and 42 years), −5.1% a year before 65; +4.2% a year for working on after 65 (max 3 years).":"男性は65歳。女性は1964〜1968年生まれで60歳から65歳へ引き上げ。40年加入で62歳からコリドー年金（63歳・42年に引き上げ中）、65歳より前は年−5.1%。65歳以降も働くと年+4.2%（最大3年）。","5.1% health insurance, wage tax with the pensioner credit; the 13th and 14th payments are taxed at 6%. Low pensions are topped up to the equalisation supplement (Ausgleichszulage).":"健康保険5.1%、年金受給者控除を適用した給与税。13・14回目の支払いは6%で課税。少額の年金は均等化補足（Ausgleichszulage）まで上乗せされます。","Prämienbegünstigte Zukunftsvorsorge: the state adds 4.25% on up to €3,286.08 a year; capital gains are tax-free and a lifelong annuity is tax-free. Employer contributions to a pension fund (Pensionskasse) are tax-free now and taxed as pension later. Other savings pay 27.5% capital-gains tax.":"Prämienbegünstigte Zukunftsvorsorge：国が年€3,286.08までの拠出に4.25%を上乗せ。キャピタルゲインは非課税で、終身年金も非課税です。年金基金（Pensionskasse）への雇用主拠出は現在は非課税で、後に年金として課税されます。その他の貯蓄には27.5%のキャピタルゲイン税がかかります。","5 weeks a year: 25 working days on a 5-day week (30 working days on a 6-day count), rising to 6 weeks after 25 years with the employer. 13 public holidays; no replacement day when one falls on a weekend.":"年5週間：週5日制で25労働日（週6日換算で30労働日）、同じ雇用主で25年後は6週間。祝日は13日。週末に当たっても振替休日はありません。","Maternity protection":"母性保護","8 weeks before and 8 after the birth (12 after a caesarean or premature birth)":"出産前8週と出産後8週（帝王切開や早産の場合は出産後12週）","Maternity benefit = average net pay of the last 3 months":"出産手当 = 過去3か月の平均手取り","Father’s month (Papamonat)":"父親月間（Papamonat）","1 month after the birth":"出産後1か月","Family-time bonus about €55 a day":"家族時間ボーナス 1日約€55","Parental leave (Karenz)":"育児休業（Karenz）","Until the child is 2 if both parents take part (22 months if only one)":"両親とも取得すれば子どもが2歳になるまで（片方のみなら22か月）","Childcare benefit: flat account or 80% of income (max about €76 a day)":"育児手当：定額口座または所得の80%（1日最大約€76）","Care leave (Pflegefreistellung)":"介護休暇（Pflegefreistellung）","1 week a year, plus 1 more for a child under 12":"年1週間、12歳未満の子どもにはさらに1週間","6 weeks full pay (8 after 1 year, 10 after 15, 12 after 25), then 4 weeks half pay":"6週間給与全額（1年後8週、15年後10週、25年後12週）、その後4週間半額","By employer, then health-insurance sick pay":"雇用主、その後健康保険の傷病手当","Employer: 6 weeks under 2 years of service, 2 months from 2, 3 months from 5, 4 months from 15, 5 months from 25, to the end of a quarter (or the 15th or last day of a month if the contract says so). Employee: 1 month to the end of a month.":"雇用主：勤続2年未満は6週間、2年から2か月、5年から3か月、15年から4か月、25年から5か月、四半期末まで（契約で定めれば月の15日または末日）。従業員：月末までに1か月。","Severance (Abfertigung neu)":"退職金（Abfertigung neu）","For jobs since 2003 the employer pays 1.53% of pay into a severance fund from the 2nd month. After 3 years of contributions you can take the balance on dismissal (taxed 6%) or leave it for your pension; it is never lost on resignation, only carried forward.":"2003年以降の雇用では、雇用主が2か月目から給与の1.53%を退職金基金に払い込みます。3年分の拠出後、解雇時に残高を受け取る（6%で課税）か、年金のために残すことができます。自己都合退職でも失われることはなく、繰り越されるだけです。","55% of your net daily income (from the previous year’s gross, up to the contribution ceiling), plus family supplements. 20 weeks; 30 with 3 years of insurance in 5; 39 from age 40 with 6 years in 10; 52 from 50 with 9 years in 15. After resigning there is a 4-week wait.":"前年の総支給（保険料上限まで）に基づく日額手取りの55%に家族加算。20週。5年のうち3年加入なら30週、40歳から10年のうち6年加入なら39週、50歳から15年のうち9年加入なら52週。自己都合退職の後は4週間の待機期間があります。","Austria pays 14 salaries: the 13th and 14th are taxed at only 6%, so compare offers by annual pay.":"オーストリアは年14回給与を支払います：13・14か月目は6%しか課税されないため、オファーは年収で比較してください。","Each child under 18 cuts your tax by up to €2,000.16 a year (Familienbonus Plus).":"18歳未満の子ども1人ごとに税金が年最大€2,000.16減ります（Familienbonus Plus）。","Family allowance €138.40–200.40 a month per child by age, plus the child tax credit €70.90 a month (2026, frozen at 2025 levels), paid together; not means-tested. Familienbonus Plus cuts tax by up to €2,000.16 per child.":"家族手当は年齢により子ども1人あたり月€138.40〜200.40、加えて子ども税額控除月€70.90（2026年、2025年水準で据え置き）を合わせて支給。所得制限なし。Familienbonus Plusで子ども1人につき税金が最大€2,000.16減ります。","Severance fund balance after 3 years (1.53% a year, 6% tax)":"3年後の退職金基金残高（年1.53%、6%課税）","16 weeks at 100% of net (8 + 8)":"16週、手取りの100%（8 + 8）","1 month with family-time bonus (~€55/day)":"1か月、家族時間ボーナスあり（1日約€55）","Until age 2, childcare benefit flat or 80% of income":"2歳まで、育児手当は定額または所得の80%","6–12 weeks full pay, then half, then health insurance":"6〜12週は給与全額、その後半額、その後健康保険","White-collar employee with 14 salaries; wage tax as withheld on regular pay and special payments. Commuter allowance, tax-free overtime and night premiums, negative tax refunds and collective-agreement extras are not modelled.":"年14回給与のホワイトカラー従業員。給与税は通常の給与と特別支給に対して源泉徴収されるとおりです。通勤手当、非課税の時間外・深夜割増、負の税還付、労働協約による上乗せはモデル化していません。","Official sources: BMF (Brutto-Netto-Rechner, Steuerbuch 2026), Österreichische Gesundheitskasse (Veränderliche Werte 2026), Pensionsversicherungsanstalt, AMS, oesterreich.gv.at.":"公式情報源：BMF（Brutto-Netto-Rechner、Steuerbuch 2026）、Österreichische Gesundheitskasse（Veränderliche Werte 2026）、Pensionsversicherungsanstalt、AMS、oesterreich.gv.at。","Net per year, €2,400 × 14 (Styria)":"年額手取り、€2,400 × 14（シュタイアーマルク）","Net per year, €4,000 × 14 (Styria)":"年額手取り、€4,000 × 14（シュタイアーマルク）","Net per year, €8,000 × 14 (above the ceiling)":"年額手取り、€8,000 × 14（上限超）","Wage tax per year, €4,000 × 14":"年額給与税、€4,000 × 14","Tariff tax on €40,000":"€40,000に対する税率表の税額","Tax on 13th/14th salary of €8,000 (after 17.07% SS)":"€8,000の13・14か月目の給与に対する税（社会保険17.07%控除後）","Employee social insurance, €4,000/month (per month)":"従業員の社会保険、月€4,000（月額）","Employee social insurance, €2,300/month (1% unemployment)":"従業員の社会保険、月€2,300（失業1%）","Employee social insurance at the ceiling (per month)":"上限での従業員の社会保険（月額）","Pension credit for one year at €50,000":"€50,000での1年分の年金加算","Familienbonus Plus per child (per year)":"子ども1人あたりのFamilienbonus Plus（年額）","Family allowance + child credit, age 3–9 (per month)":"家族手当 + 子ども控除、3〜9歳（月額）","Your money, calculated":"あなたのお金を計算","Social security 11%":"社会保障 11%","IRS income tax (after deductions)":"IRS所得税（控除後）","Taxable income (after the €4,587 specific deduction)":"課税所得（特別控除€4,587後）","IRS Jovem exemption":"IRS Jovemの免除","Independent workers’ social security (21.4% on 70%)":"独立労働者の社会保障（70%に対して21.4%）","written notice for collective dismissal or job extinction":"集団解雇または職務廃止の書面予告","Compensation":"補償金","14 days per year (max 12 months)":"1年につき14日（最大12か月）","Portugal":"ポルトガル","Single (or separate filing)":"単身（または個別申告）","Married, joint filing, sole earner":"既婚、合算申告、片働き","IRS Jovem: year of work (1–10, 0 = no)":"IRS Jovem：就労年数（1〜10、0 = なし）","Nine brackets from 12.5% (up to €8,342) to 48% (above €86,634), after the specific deduction of €4,587.09 (or your social security if higher). Solidarity surcharge 2.5% above €80,000 and 5% above €250,000. Tax credits: €250 general family expenses per taxpayer, €600 per child. Nobody is left with less than €12,880 after tax (minimum of existence). Usually 14 salaries.":"€8,342までの12.5%から€86,634超の48%まで9区分。特別控除€4,587.09（または社会保障がそれより高ければその額）後。連帯付加税は€80,000超で2.5%、€250,000超で5%。税額控除：納税者1人につき一般家族経費€250、子ども1人につき€600。税引後に€12,880（最低生活費）を下回る人はいません。通常は年14回払い。","Up to age 35, the first 10 years of work are partly exempt: 100% in year 1, 75% in years 2–4, 50% in years 5–7, 25% in years 8–10, on income up to €29,542 (55 × IAS).":"35歳まで、最初の10年間の就労は一部免除：1年目100%、2〜4年目75%、5〜7年目50%、8〜10年目25%、所得€29,542（55 × IAS）まで。","Employee 11%, employer 23.75%, with no ceiling. Minimum wage €920 a month (14 payments) in 2026.":"従業員11%、雇用主23.75%、上限なし。2026年の最低賃金は月€920（年14回払い）。","On working days +25% for the first hour and +37.5% for each further hour; +50% on rest days and public holidays. Max 2 hours a day and 150 hours a year (175 in small firms, up to 200 by collective agreement).":"労働日は最初の1時間+25%、以降1時間ごとに+37.5%。休日と祝日は+50%。1日最大2時間、年150時間（小規模企業は175時間、労働協約で最大200時間）。","Overtime is taxed and insured like normal pay.":"時間外労働は通常の給与と同様に課税され、保険料がかかります。","150 h / year":"年150時間","Independent worker (recibos verdes)":"独立労働者（recibos verdes）","Simplified regime for services: 75% of turnover is taxed on the normal IRS scale (part of it only if you show 15% of expenses). Social security 21.4% on 70% of turnover, declared quarterly; exempt in the first 12 months. VAT exemption below €15,000.":"サービス業の簡易制度：売上の75%が通常のIRS税率表で課税されます（経費15%を証明した場合のみ一部）。社会保障は売上の70%に対して21.4%、四半期ごとに申告。最初の12か月は免除。€15,000未満はVAT免除。","Old-age pension":"老齢年金","Reference earnings = average of your best 40 years (revalued), ÷ 14. Each year of contributions adds 2.3% of the part up to 1.1 × IAS, 2.25% up to 2 × IAS, 2.2% up to 4 × IAS, 2.1% up to 8 × IAS and 2% above (IAS €537.13 in 2026). Minimum 15 years. Paid 14 times a year.":"基準収入 = 最も良い40年の平均（再評価）÷ 14。保険料納付1年ごとに、1.1 × IASまでの部分の2.3%、2 × IASまで2.25%、4 × IASまで2.2%、8 × IASまで2.1%、それを超える部分は2%を加算（2026年のIASは€537.13）。最低15年。年14回払い。","Normal age 66 years 9 months in 2026 and 66 years 11 months in 2027, then linked to life expectancy. It drops by 4 months for each year above 40 of contributions at age 60. Early from 60 with 40 years: −0.5% a month before your personal age. Working past it adds a bonus.":"通常年齢は2026年は66歳9か月、2027年は66歳11か月、その後は平均余命に連動。60歳時点で40年を超える保険料納付1年ごとに4か月引き下げ。40年加入で60歳から繰上げ可能：個人の年齢より前は月−0.5%。それ以降も働くとボーナスが加算されます。","Pensions pay IRS after the same €4,587 deduction, but no social security. Low pensions are topped up by the solidarity supplement for the elderly (CSI).":"年金には同じ€4,587の控除後にIRSが課されますが、社会保障はかかりません。少額の年金は高齢者連帯補足（CSI）で上乗せされます。","Plano Poupança Reforma (PPR): 20% of what you pay is credited against IRS within the age-based cap. Withdrawals after 60 (or 5 years) tax only the gains at an effective 8%; early withdrawals lose the credit. Other savings pay 28% on returns.":"Plano Poupança Reforma（PPR）：拠出額の20%が年齢別の上限内でIRSから控除されます。60歳以降（または5年後）の引き出しでは運用益のみが実効8%で課税されます。早期引き出しでは控除が取り消されます。その他の貯蓄の運用益には28%。","Freedom Day":"自由の日","Portugal Day":"ポルトガルの日","Restoration of Independence":"独立回復記念日","22 working days a year; in the year you start, 2 days per month worked (max 20). Holiday pay (subsídio de férias) of one month’s pay is paid on top, with the Christmas bonus as the 13th and 14th salaries. 13 national holidays (one is always a Sunday) plus a municipal holiday; Carnival is often given.":"年22労働日。就職した年は勤務1か月につき2日（最大20日）。1か月分の休暇手当（subsídio de férias）が別途支払われ、クリスマス賞与と合わせて13・14か月目の給与になります。全国の祝日は13日（うち1日は常に日曜）に加え市町村の祝日。カーニバルが休みになることも多い。","Initial parental leave":"当初の育児休業","120 days at 100% or 150 days at 80% (180 days at 83% if shared); the mother takes 42 days after birth":"120日100%、または150日80%（共有なら180日83%）。母親は出産後42日を取得","Social security, on reference pay":"社会保障、基準給与に対して","Father’s exclusive leave":"父親専用休暇","28 days in the 42 days after birth (7 right after), plus 7 optional":"出産後42日以内に28日（うち7日は直後）、加えて任意で7日","100% from social security":"社会保障から100%","Extended parental leave":"延長育児休業","3 months per parent after the initial leave":"当初の休業後、親1人につき3か月","30%–40% of reference pay":"基準給与の30〜40%","Care for a sick child":"病気の子どもの看護","Up to 30 days a year (child under 12)":"年最大30日（12歳未満の子ども）","65% from social security":"社会保障から65%","Informal carer leave":"インフォーマル介護者休暇","5 working days a year":"年5労働日","Unpaid by employer":"雇用主からは無給","3 waiting days, then sickness benefit":"3日の待機期間、その後傷病手当","55% the first 30 days, rising to 75% after a year":"最初の30日は55%、1年後に75%まで上昇","Dismissal (collective or job extinction)":"解雇（集団解雇または職務廃止）","For collective dismissal or extinction of the job: 14 days of base pay plus seniority pay per year of service (pro rata), with pay counted up to 20 minimum wages and a total cap of 12 months’ pay or 240 minimum wages. Tax-free at this legal level.":"集団解雇または職務廃止の場合：勤続1年につき基本給と勤続手当の14日分（日割り）、給与は最低賃金20倍までを算入、合計の上限は給与12か月分または最低賃金240倍。この法定水準では非課税。","Employer: 15 days under 1 year of service, 30 days for 1–5 years, 60 for 5–10, 75 from 10. Employee: 30 days under 2 years, 60 from 2.":"雇用主：勤続1年未満は15日、1〜5年は30日、5〜10年は60日、10年からは75日。従業員：2年未満は30日、2年からは60日。","65% of your gross reference pay, between €537.13 (IAS) and €1,342.83 (2.5 × IAS) a month and not above 75% of net pay; −10% after 6 months. Duration 5 to 18 months by age and contribution record, plus extra months for long careers. Needs 360 days of work in the last 24 months; not after resigning.":"基準総支給の65%、月€537.13（IAS）から€1,342.83（2.5 × IAS）の範囲で、手取りの75%を超えない額。6か月後に−10%。期間は年齢と保険料納付歴により5〜18か月、長いキャリアには追加の月数。過去24か月に360日の就労が必要。自己都合退職では対象外。","Under 35 and in your first 10 years of work? IRS Jovem can exempt part of your pay: set your year of work above.":"35歳未満で就労10年以内ですか？IRS Jovemで給与の一部が免除される場合があります。上で就労年数を設定してください。","Paying into a PPR gives back 20% of it as a tax credit (up to €300–400 a year).":"PPRに拠出すると、その20%が税額控除として戻ります（年最大€300〜400）。","Child benefit (abono de família) depends on household income bands and is not paid above the 4th band; a child guarantee supplement exists for low incomes. Married couples can file jointly, which the household table does not model.":"児童手当（abono de família）は世帯所得の区分によって異なり、第4区分を超えると支給されません。低所得者には子ども保障補足があります。夫婦は合算申告できますが、世帯の表ではモデル化していません。","Compensation 14 days per year (tax-free)":"補償金 1年につき14日（非課税）","120 days at 100% (or 150 at 80%)":"120日100%（または150日80%）","28 days at 100% + 7 optional":"28日100% + 任意7日","3 months per parent at 30–40%":"親1人につき3か月30〜40%","3 waiting days, then 55–75%":"3日の待機期間、その後55〜75%","Annual IRS as in the return for one taxpayer (or a married couple filing jointly with one income); monthly withholding uses tables and can differ. Health, education and housing deductions, the autonomous regions’ lower rates (Azores, Madeira) and meal allowances are not modelled.":"納税者1人（または片働きで合算申告する夫婦）の確定申告どおりの年間IRSです。月々の源泉徴収は税率表を使うため異なる場合があります。医療、教育、住宅の控除、自治州（アゾレス、マデイラ）の低い税率、食事手当はモデル化していません。","Official sources: Portal das Finanças (AT), Segurança Social (pension and unemployment guides), INE, portugal.gov.pt.":"公式情報源：Portal das Finanças（AT）、Segurança Social（年金・失業ガイド）、INE、portugal.gov.pt。","IRS scale on €43,090 taxable income":"課税所得€43,090に対するIRS税率表","Specific deduction for employment income":"給与所得の特別控除","Employee social security, €1,700 × 14":"従業員の社会保障、€1,700 × 14","No IRS at the minimum wage (€920 × 14)":"最低賃金（€920 × 14）ではIRSなし","Maximum unemployment benefit (per month)":"失業手当の上限（月額）","Compensation, 10 years at €1,500 base pay":"補償金、基本給€1,500で10年","Accrual rate on reference earnings of €500 (per year)":"基準収入€500に対する給付乗率（年額）","PRSI (4.2%, 4.35% from October)":"PRSI（4.2%、10月から4.35%）","Auto-enrolment pension (My Future Fund) 1.5%":"自動加入年金（My Future Fund）1.5%","Income tax after credits":"税額控除後の所得税","Child Benefit (paid separately)":"Child Benefit（別途支給）","Employer 1.5% + State 0.5% into your pot":"雇用主1.5% + 国0.5%をあなたの口座へ","PRSI Class S (4.2–4.35%)":"PRSIクラスS（4.2〜4.35%）","Statutory redundancy (2 weeks per year + 1, tax-free)":"法定整理解雇手当（1年につき2週 + 1週、非課税）","minimum by law; contracts often give more":"法定の最低。契約ではより多いことが多い","1 week":"1週間","2 weeks per year + 1 week (pay up to €600/week)":"1年につき2週 + 1週（週給は最大€600）","Ireland":"アイルランド","Tax status":"税務上の区分","Married or civil partners, one income":"既婚またはシビルパートナー、収入1つ","Auto-enrolment (My Future Fund)":"自動加入（My Future Fund）","20% up to €44,000 (single), €53,000 (married, one income) or €48,000 (single parent), 40% above. Tax credits: personal €2,000 (€4,000 married), employee €2,000, single parent €1,900. Pension contributions are relieved at your marginal rate.":"€44,000（単身）、€53,000（既婚、収入1つ）、€48,000（ひとり親）まで20%、それを超える部分は40%。税額控除：個人€2,000（既婚は€4,000）、従業員€2,000、ひとり親€1,900。年金拠出は限界税率で軽減されます。","USC and PRSI":"USCとPRSI","USC 0.5% up to €12,012, 2% up to €28,700, 3% up to €70,044, 8% above (none if income is €13,000 or less). PRSI 4.2%, rising to 4.35% from 1 October 2026, with a tapered credit between €352 and €424 a week. Employer PRSI 11.25% (11.40% from October). Minimum wage €14.15 an hour.":"USCは€12,012まで0.5%、€28,700まで2%、€70,044まで3%、それを超える部分は8%（所得€13,000以下ならなし）。PRSIは4.2%、2026年10月1日から4.35%に上昇、週€352〜€424の間で逓減する控除あり。雇用主PRSIは11.25%（10月から11.40%）。最低賃金は時給€14.15。","Auto-enrolment":"自動加入","From 1 January 2026, employees aged 23–60 earning over €20,000 without a workplace pension join My Future Fund: 1.5% from you, 1.5% from the employer and 0.5% from the State, on pay up to €80,000 (rising every 3 years to 6% each). You can opt out after 6 months.":"2026年1月1日から、職域年金のない年収€20,000超の23〜60歳の従業員はMy Future Fundに加入します：本人1.5%、雇用主1.5%、国0.5%、給与€80,000まで（3年ごとにそれぞれ6%まで引き上げ）。6か月後に脱退できます。","Irish law sets no overtime rate; it comes from your contract (time-and-a-half is common). Sunday work must be compensated by a premium or time off. Average working week max 48 hours (over 4 months).":"アイルランドの法律には時間外割増率の定めがなく、契約で決まります（1.5倍が一般的）。日曜の労働は割増か代休で補償しなければなりません。平均週労働時間は最大48時間（4か月平均）。","Overtime pays income tax, USC and PRSI like normal pay, often at 52% at the margin.":"時間外労働には通常の給与と同様に所得税、USC、PRSIがかかり、限界では52%になることが多いです。","Self-employed":"自営業者","Income tax with the personal and earned income credits (€2,000 each), USC with an extra 3% above €100,000, and PRSI Class S at the employee rate (minimum €650 a year). Pay and file through Revenue’s self-assessment (Form 11) with preliminary tax.":"個人控除と勤労所得控除（各€2,000）を適用した所得税、€100,000超で追加3%のUSC、従業員と同率のPRSIクラスS（最低年€650）。Revenueの自己申告（Form 11）と予定納税で支払い・申告します。","State Pension (Contributory)":"国家年金（拠出制）","Up to €299.30 a week in 2026 (+€10 from age 80), from age 66. Under the total contributions approach you need 2,080 weekly contributions (40 years) for the full rate, with a pro rata rate from 520 (10 years). It can be deferred to 70 for a higher weekly rate.":"2026年は66歳から週最大€299.30（80歳から+€10）。総拠出方式では満額に週単位の拠出2,080回（40年）が必要で、520回（10年）から比例。70歳まで繰下げると週額が増えます。","Workplace pensions":"職域年金","Most income in retirement comes from workplace pensions, PRSAs and now auto-enrolment. 25% of the fund can be taken tax-free (up to €200,000); the rest is taxed as income.":"退職後の収入の大半は職域年金、PRSA、そして現在は自動加入から得られます。基金の25%は非課税で受け取れ（最大€200,000）、残りは所得として課税されます。","From 65 income up to €18,000 (€36,000 for a couple) is exempt from income tax; there is an age credit of €245. The State Pension is free of USC and PRSI.":"65歳からは所得€18,000（夫婦は€36,000）まで所得税が免除され、€245の高齢者控除があります。国家年金にはUSCとPRSIがかかりません。","PRSA or occupational pension: contributions get tax relief at your marginal rate (20% or 40%) within age-related limits of 15–40% of earnings, capped at €115,000. At retirement 25% is tax-free and the rest is taxed as income. Deposit interest pays 33% DIRT.":"PRSAまたは職域年金：拠出は収入の15〜40%の年齢別の上限内（上限€115,000）で限界税率（20%または40%）の税軽減を受けます。退職時に25%は非課税、残りは所得として課税。預金利息には33%のDIRT。","St Brigid’s Day":"聖ブリジットの日","St Patrick’s Day":"聖パトリックの日","May bank holiday":"5月のバンクホリデー","June bank holiday":"6月のバンクホリデー","August bank holiday":"8月のバンクホリデー","October bank holiday":"10月のバンクホリデー","4 working weeks a year (20 days on a 5-day week), or 8% of hours worked. 10 public holidays; for each you get a paid day off, a day’s pay, an extra day of leave or an extra day’s pay, as your employer decides.":"年4労働週（週5日制で20日）、または労働時間の8%。祝日は10日。各祝日について、雇用主の判断で有給の休日、1日分の給与、追加の休暇1日、または追加の1日分の給与のいずれかが与えられます。","26 weeks, plus 16 weeks unpaid":"26週、加えて無給16週","Maternity Benefit €299 a week (many employers top up)":"出産手当 週€299（多くの雇用主が上乗せ）","2 weeks within 6 months of the birth":"出産後6か月以内に2週間","Paternity Benefit €299 a week":"父親手当 週€299","Parent’s leave":"親休暇","9 weeks per parent in the child’s first 2 years":"子どもの最初の2年間に親1人につき9週間","Parent’s Benefit €299 a week":"親手当 週€299","26 weeks per parent until the child is 12":"子どもが12歳になるまで親1人につき26週","Leave for medical care":"医療介護のための休暇","5 days a year to care for a relative":"親族の介護のため年5日","5 days of statutory sick pay a year, then Illness Benefit":"年5日の法定病気手当、その後傷病給付","70% of pay up to €110 a day":"1日最大€110まで給与の70%","After 2 years of continuous service: 2 weeks’ pay per year of service plus 1 week, with weekly pay capped at €600. Tax-free; enhanced payments above it get extra tax-free amounts up to limits.":"継続勤務2年後：勤続1年につき給与2週分に1週分を加え、週給の上限は€600。非課税。これを超える上乗せ支払いには上限まで追加の非課税額があります。","Minimum from the employer: 1 week (13 weeks to 2 years of service), 2 weeks (2–5), 4 weeks (5–10), 6 weeks (10–15), 8 weeks (15+). From you: 1 week after 13 weeks.":"雇用主からの最低予告：1週間（勤続13週〜2年）、2週間（2〜5年）、4週間（5〜10年）、6週間（10〜15年）、8週間（15年以上）。本人から：13週後に1週間。","Jobseeker’s Pay-Related Benefit":"Jobseeker’s Pay-Related Benefit","Since March 2025: 60% of previous weekly pay (max €450) for 13 weeks, then 55% (max €375) for 13 weeks, then 50% (max €300) for 13 weeks with 5+ years of PRSI; 26 weeks with 2–5 years. Not after resigning without good reason.":"2025年3月から：PRSI加入5年以上なら、以前の週給の60%（最大€450）を13週、その後55%（最大€375）を13週、その後50%（最大€300）を13週。2〜5年なら26週。正当な理由のない自己都合退職では対象外。","Above €44,000 each extra euro loses 40% tax + 3–8% USC + PRSI. Pension contributions save the 40% tax.":"€44,000を超えると、追加1ユーロごとに40%の税 + 3〜8%のUSC + PRSIがかかります。年金拠出で40%の税を節約できます。","Auto-enrolment: every €1.50 you pay brings €2 more from your employer and the State.":"自動加入：あなたが€1.50払うごとに、雇用主と国からさらに€2が入ります。","Child Benefit €140 a month per child, not means-tested. Married couples can share tax bands (up to €88,000 with two incomes), which this table does not model.":"Child Benefitは子ども1人につき月€140、所得制限なし。夫婦は税率区分を共有できます（共働きで最大€88,000）が、この表ではモデル化していません。","Statutory redundancy after 2 years (tax-free)":"2年後の法定整理解雇手当（非課税）","26 weeks at €299/week + 16 unpaid":"26週、週€299 + 無給16週","2 weeks at €299/week":"2週間、週€299","9 weeks paid (€299/week) + 26 unpaid until 12":"9週有給（週€299）+ 12歳まで無給26週","5 days at 70% (max €110/day), then Illness Benefit":"5日70%（1日最大€110）、その後傷病給付","Annual tax for one PAYE employee; PRSI uses the year-average rate (4.35% from October). Medical expenses, rent and other credits, benefit-in-kind and the married two-income band are not modelled.":"PAYE従業員1人の年間税額です。PRSIは年平均料率（10月から4.35%）を使います。医療費、家賃その他の控除、現物給付、夫婦共働きの税率区分はモデル化していません。","Official sources: Revenue (revenue.ie), Department of Social Protection (gov.ie), Citizens Information, Workplace Relations Commission.":"公式情報源：Revenue（revenue.ie）、Department of Social Protection（gov.ie）、Citizens Information、Workplace Relations Commission。","Income tax, single, €50,000":"所得税、単身、€50,000","USC on €50,000":"€50,000に対するUSC","Employee PRSI at €1,000 a week (per week, from October)":"週€1,000での従業員PRSI（週額、10月から）","Full State Pension (Contributory), per week":"国家年金（拠出制）満額、週額","Statutory redundancy, 10 years at €1,000 a week":"法定整理解雇手当、週€1,000で10年","Maximum Jobseeker’s Pay-Related Benefit (per week)":"Jobseeker’s Pay-Related Benefitの上限（週額）","Child Benefit per child (per month)":"子ども1人あたりのChild Benefit（月額）","Social security (Class 1) 10%":"社会保障（クラス1）10%","Self-employed social security (Class 2) 15%":"自営業者の社会保障（クラス2）15%","or paid in lieu; no statutory severance pay":"または代わりに支払い。法定退職金なし","Notice (either side)":"予告（双方）","8 weeks + 1 per year, max 12":"8週 + 1年につき1週、最大12週","Malta":"マルタ","Tax computation":"税額計算","Married (joint)":"既婚（合算）","Parent (single parent)":"親（ひとり親）","Single: 0% up to €12,000, 15% to €16,000, 25% to €60,000, 35% above. Married (joint): tax-free €15,000, or €17,500 with 1 child and €22,500 with 2 or more. Parent: tax-free €13,000, €14,500 with 1 child, €18,500 with 2 or more. Social security is not deductible.":"単身：€12,000まで0%、€16,000まで15%、€60,000まで25%、それを超える部分は35%。既婚（合算）：非課税€15,000、子ども1人で€17,500、2人以上で€22,500。親：非課税€13,000、子ども1人で€14,500、2人以上で€18,500。社会保障は控除できません。","Social security and bonuses":"社会保障と賞与","Employee and employer each pay 10% of the basic wage, capped at €55.93 a week (born from 1962); the employer adds 0.3% to the maternity fund. Statutory bonuses of €512.52 and the income supplements (about €242 a year) are paid in June and December and are in the Bonus field. Cost-of-living increase (COLA) 2026: €4.66 a week.":"従業員と雇用主がそれぞれ基本給の10%を負担、週€55.93が上限（1962年以降生まれ）。雇用主は出産基金に0.3%を追加。€512.52の法定賞与と所得補足（年約€242）は6月と12月に支払われ、「賞与」欄に入っています。2026年の生活費調整（COLA）：週€4.66。","Minimum wage":"最低賃金","€229.44 a week for adults in 2026.":"2026年の成人は週€229.44。","Legal premium":"法定割増","Overtime is paid at least time-and-a-half (+50%); work on public holidays and Sundays usually gets double pay or a day off by agreement. Average week max 48 hours over 17 weeks.":"時間外労働は少なくとも1.5倍（+50%）で支払われます。祝日と日曜の労働は通常、協約により2倍の給与か代休。平均週労働時間は17週平均で最大48時間。","Overtime is taxed at your marginal rate like normal pay here.":"ここでは時間外労働は通常の給与と同様に限界税率で課税されます。","Class 2 social security 15% of net income, capped at the maximum pensionable income (about €4,362 a year), with a minimum for low incomes. Profit is taxed on the same rate tables. VAT registration under Article 11 for small turnover.":"クラス2の社会保障は純所得の15%、最高年金算定所得（年約€4,362）が上限、低所得には最低額。利益は同じ税率表で課税されます。小規模な売上には第11条によるVAT登録。","Two-thirds pension":"3分の2年金","⅔ of the average of your best 10 calendar years of the last 41, capped at the maximum pensionable income (€29,083 in 2026 for those born from 1962), reduced pro rata if you have fewer than 41 years (40 if born 1962–1968) of contributions. At least 10 years needed.":"過去41年のうち最も良い暦年10年の平均（最高年金算定所得が上限、1962年以降生まれは2026年で€29,083）の⅔、保険料納付が41年（1962〜1968年生まれは40年）未満なら比例して減額。最低10年必要。","65 for those born from 1962. From 61 if you have the full contribution record and are no longer working. Pensions rise each year with the cost-of-living increase.":"1962年以降生まれは65歳。保険料納付歴が満額で、もう働いていなければ61歳から。年金は毎年生活費調整とともに上がります。","Personal Retirement Scheme: a 25% tax credit on contributions up to €3,000 a year (and €750 for employer voluntary schemes). From retirement up to 30% can be taken as a tax-free lump sum; the rest is taxed as income. Bank interest can be taxed at a final 15%.":"個人退職制度：年€3,000までの拠出に25%の税額控除（雇用主の任意制度は€750）。退職時に最大30%を非課税の一時金で受け取れ、残りは所得として課税。銀行利息は最終的な15%で課税できます。","St Paul’s Shipwreck":"聖パウロの難破","St Joseph":"聖ヨセフ","Sette Giugno":"セッテ・ジュンユ","St Peter and St Paul":"聖ペトロと聖パウロ","Victory Day":"勝利の日","192 hours a year (24 days of 8 hours), plus an extra day for each public holiday falling on a weekend. 14 public holidays.":"年192時間（8時間×24日）、加えて週末に当たる祝日ごとに追加1日。祝日は14日。","18 weeks":"18週","14 weeks full pay by employer, 4 weeks state maternity benefit":"14週は雇用主から給与全額、4週は国の出産手当","Birth leave":"出生休暇","10 working days for the father or co-parent":"父親または共同親に10労働日","Full pay (employer, reimbursed by the state)":"給与全額（雇用主、国が補填）","4 months per parent until the child is 8":"子どもが8歳になるまで親1人につき4か月","First 2 months paid at the sickness-benefit rate":"最初の2か月は傷病手当の額で支給","By sector wage order, often 2 weeks a year on full pay":"業種別賃金命令により、多くは年2週間給与全額","Employer, minus sickness benefit":"雇用主、傷病手当を差し引き","Termination by the employer (redundancy)":"雇用主による契約終了（整理解雇）","After probation: 1 week (1–6 months of service), 2 weeks (6 months–2 years), 4 weeks (2–4 years), 8 weeks (4–7 years), then +1 week per year up to 12 weeks (more by contract for technical or managerial jobs). Same for both sides; pay in lieu is possible.":"試用期間後：1週間（勤続1〜6か月）、2週間（6か月〜2年）、4週間（2〜4年）、8週間（4〜7年）、その後1年ごとに+1週間、最大12週間（技術職や管理職は契約でより長い）。双方同じで、予告に代わる支払いも可能。","Malta has no statutory severance pay for redundancy. An Industrial Tribunal can award compensation for unfair dismissal.":"マルタには整理解雇の法定退職金がありません。労働審判所が不当解雇に対して補償を命じることがあります。","From January 2026: 60% of your wage for 10 weeks, 55% for the next 10 and 50% for the last 6 (156 days), on a wage between the minimum wage and 175% of it. Needs 50 weeks of contributions, 20 in the last 2 years.":"2026年1月から：最低賃金からその175%までの給与について、10週間は給与の60%、次の10週は55%、最後の6週は50%（156日）。50週の保険料納付が必要で、うち20週は過去2年以内。","The Bonus field holds the statutory bonuses and income supplements (about €755 a year). Married? Joint computation usually lowers the tax.":"「賞与」欄には法定賞与と所得補足（年約€755）が入っています。既婚ですか？通常は合算計算で税金が下がります。","Children’s Allowance is means-tested (a minimum amount is paid to all families). The married and parent tax tables already give wider tax-free bands for children.":"Children’s Allowanceには所得制限があります（すべての家族に最低額は支給）。既婚者と親の税率表では、子どもに対してすでに広い非課税枠が設けられています。","No statutory severance; notice or pay in lieu":"法定退職金なし。予告または代わりの支払い","18 weeks (14 full pay + 4 state benefit)":"18週（14週は給与全額 + 4週は国の手当）","10 days at full pay":"10日、給与全額","4 months per parent until 8, 2 paid":"8歳まで親1人につき4か月、2か月は有給","By sector, often 2 weeks full pay":"業種により、多くは2週間給与全額","Resident employee with the standard tax tables; part-time and overtime special rates, the 15% rate for some foreign workers, and tax credits for specific groups are not modelled. Average wages for Malta come from Eurostat (2025 estimated).":"標準税率表を使う居住者の従業員。パートタイムと時間外の特別税率、一部の外国人労働者向けの15%税率、特定のグループ向けの税額控除はモデル化していません。マルタの平均賃金はEurostat（2025年推計）によります。","Official sources: Malta Tax and Customs Administration (mtca.gov.mt), Department of Social Security (socialsecurity.gov.mt), DIER (employment conditions), Jobsplus.":"公式情報源：Malta Tax and Customs Administration（mtca.gov.mt）、Department of Social Security（socialsecurity.gov.mt）、DIER（雇用条件）、Jobsplus。","Tax, single, chargeable income €30,000":"税金、単身、課税所得€30,000","Tax, married with 2 children, €40,000":"税金、既婚で子ども2人、€40,000","Tax, parent with 1 child, €20,000":"税金、子ども1人の親、€20,000","Maximum employee social security (per year)":"従業員の社会保障の上限（年額）","Maximum two-thirds pension (per year)":"3分の2年金の上限（年額）","Maximum unemployment benefit, first 10 weeks (per week)":"失業手当の上限、最初の10週（週額）","Social insurance 8.8%":"社会保険 8.8%","National health system (GESY) 2.65%":"国民保健制度（GESY）2.65%","Child deduction":"子ども控除","50% exemption for new residents":"新規居住者の50%免除","Self-employed social insurance 16.6% + GESY 4%":"自営業者の社会保険 16.6% + GESY 4%","Redundancy payment (Redundancy Fund, tax-free)":"整理解雇手当（Redundancy Fund、非課税）","or paid in lieu":"または代わりに支払い","Redundancy pay (weeks per year)":"整理解雇手当（1年あたりの週数）","Cyprus":"キプロス","After the 2026 reform: 0% up to €22,000, 20% to €32,000, 25% to €42,000, 30% to €72,000, 35% above. Social insurance, GESY and pension or life-insurance contributions (up to ⅕ of income) are deductible. Child deduction €1,000 for the first child, €1,250 for the second, €1,500 from the third, for family incomes up to €100,000–200,000. New residents earning over €55,000 can exempt 50% of pay.":"2026年の改革後：€22,000まで0%、€32,000まで20%、€42,000まで25%、€72,000まで30%、それを超える部分は35%。社会保険、GESY、年金・生命保険の保険料（所得の⅕まで）は控除可能。子ども控除は第1子€1,000、第2子€1,250、第3子から€1,500、家族所得€100,000〜200,000まで。年収€55,000超の新規居住者は給与の50%を免除できます。","Contributions":"保険料","Employee: social insurance 8.8% up to €68,904 a year (€5,742 a month) and GESY 2.65%. Employer: 8.8% + 2% social cohesion + 1.2% redundancy fund + 0.5% training fund + 2.9% GESY. A 13th salary is common.":"従業員：社会保険8.8%を年€68,904（月€5,742）まで、GESY 2.65%。雇用主：8.8% + 社会結束2% + 整理解雇基金1.2% + 職業訓練基金0.5% + GESY 2.9%。13か月目の給与が一般的。","By agreement":"協約による","There is no general legal overtime premium; collective agreements usually give time-and-a-half. Max 48 hours a week on average.":"一般的な法定時間外割増はなく、労働協約では通常1.5倍。週平均最大48時間。","Social insurance 16.6% of income (with a minimum deemed income by occupation, up to €68,904) and GESY 4%. Profit is taxed on the same scale.":"社会保険は所得の16.6%（職業別の最低みなし所得あり、€68,904まで）とGESY 4%。利益は同じ税率表で課税されます。","A basic pension (60% of the average of your insurance points up to the basic insurable earnings, more with dependants) plus a supplementary pension of 1.5% of your insured earnings above them. Paid 13 times a year. Age 65 with at least 15 years; from 63 with a 12% reduction.":"基礎年金（基礎被保険所得までの保険ポイント平均の60%、扶養家族がいればそれ以上）に、それを超える被保険所得の1.5%の補足年金を加算。年13回払い。15年以上で65歳、12%減額で63歳から。","Provident funds":"積立基金（provident funds）","Many employers run a provident fund (often 5–10% each side); contributions are deductible within the ⅕ limit and lump sums at retirement are tax-free.":"多くの雇用主が積立基金を運営しています（多くは双方5〜10%）。拠出は⅕の上限内で控除可能で、退職時の一時金は非課税です。","Provident funds and personal pension plans: contributions are deductible up to ⅕ of income (together with social insurance and GESY). Lump sums from provident funds at retirement are tax-free; pensions are taxed as income, with the first €22,000 tax-free. Interest pays 17% defence contribution.":"積立基金と個人年金プラン：拠出は社会保険、GESYと合わせて所得の⅕まで控除可能。退職時の積立基金からの一時金は非課税。年金は所得として課税され、最初の€22,000は非課税。利息には17%の防衛拠出金。","Greek Independence Day":"ギリシャ独立記念日","Cyprus National Day":"キプロス・ナショナルデー","Easter Tuesday":"復活祭火曜日","Kataklysmos (Whit Monday)":"カタクリスモス（聖霊降臨祭の月曜日）","Cyprus Independence Day":"キプロス独立記念日","20 working days on a 5-day week (24 on 6 days), paid by the employer or the central holiday fund. Public holidays follow the Orthodox calendar; the private sector observes most of the 15 official ones by collective agreement.":"週5日制で20労働日（週6日制で24日）、雇用主または中央休暇基金が支給。祝日は正教会の暦に従い、民間部門は労働協約により15の公式祝日の大半を休みにします。","22 weeks (11 compulsory around birth)":"22週（出産前後の11週は義務）","Maternity allowance 72% of insurable earnings":"出産手当 被保険所得の72%","2 weeks within 16 weeks of the birth":"出産後16週以内に2週間","Paternity allowance 72% of insurable earnings":"父親手当 被保険所得の72%","18 weeks per parent until the child is 8":"子どもが8歳になるまで親1人につき18週","8 weeks paid by social insurance, the rest unpaid":"8週は社会保険から支給、残りは無給","Force majeure and carer’s leave":"不可抗力休暇と介護休暇","7 days a year force majeure + 5 days carer’s leave":"年7日の不可抗力休暇 + 5日の介護休暇","Sickness benefit from the 4th day, up to 156 days":"4日目から傷病手当、最大156日","About 60% of insurable earnings":"被保険所得の約60%","Redundancy payment":"整理解雇手当","After 2 years of continuous service, paid by the Redundancy Fund: 2 weeks’ pay per year for the first 4 years, 2.5 weeks for years 5–10, 3 for 11–15, 3.5 for 16–20 and 4 for 21–30, max 75 weeks, on pay up to the insurable maximum. Tax-free.":"継続勤務2年後、Redundancy Fundから支給：最初の4年は1年につき給与2週分、5〜10年目は2.5週、11〜15年目は3週、16〜20年目は3.5週、21〜30年目は4週、最大75週、給与は被保険上限まで。非課税。","From the employer after 26 weeks: 1 week (under 1 year), 2 weeks (1–2), 4 (2–3), 5 (3–4), 6 (4–5), 7 (5–6), 8 (6+). From you: usually 1–4 weeks.":"26週後の雇用主から：1週間（1年未満）、2週間（1〜2年）、4週間（2〜3年）、5週間（3〜4年）、6週間（4〜5年）、7週間（5〜6年）、8週間（6年以上）。本人から：通常1〜4週間。","60% of your basic insurable earnings plus a supplementary part on earnings above them (more with dependants), for up to 156 days. Needs at least 26 weeks of contributions. Amounts here are estimates.":"基礎被保険所得の60%に、それを超える所得に対する補足部分（扶養家族がいればそれ以上）を加え、最大156日。少なくとも26週の保険料納付が必要。ここでの金額は推計です。","Since 2026 the first €22,000 is tax-free. Moving to Cyprus for a job over €55,000? 50% of your pay can be exempt (tick the new-resident box in Compare countries).":"2026年から最初の€22,000は非課税です。€55,000超の仕事でキプロスに移住しますか？給与の50%が免除される場合があります（「国を比較」で新規居住者の欄にチェック）。","Child benefit is income-tested (family income up to €49,000 and assets limits). Spouses are taxed separately; the child deduction goes to one parent.":"児童手当には所得制限があります（家族所得€49,000までと資産の制限）。配偶者は個別に課税され、子ども控除は親の一方に適用されます。","Redundancy Fund after 2 years (tax-free)":"2年後のRedundancy Fund（非課税）","22 weeks at 72% of insurable earnings":"22週、被保険所得の72%","2 weeks at 72%":"2週間72%","18 weeks per parent until 8, 8 paid":"8歳まで親1人につき18週、8週は有給","From the 4th day, about 60%":"4日目から約60%","Resident employee taxed individually. Pension and unemployment amounts are estimates based on approximate basic insurable earnings; the official figures use your insurance points. The holiday fund contribution (8% for some sectors) is not included in employer cost. Average wages for Cyprus come from Eurostat (2025 estimated).":"個別に課税される居住者の従業員。年金と失業の金額は概算の基礎被保険所得に基づく推計で、公式の数値は保険ポイントを使います。休暇基金の拠出（一部の業種で8%）は雇用主コストに含めていません。キプロスの平均賃金はEurostat（2025年推計）によります。","Official sources: Tax Department (mof.gov.cy/tax), Social Insurance Services (mlsi.gov.cy/sid), Health Insurance Organisation (gesy.org.cy), Department of Labour Relations.":"公式情報源：Tax Department（mof.gov.cy/tax）、Social Insurance Services（mlsi.gov.cy/sid）、Health Insurance Organisation（gesy.org.cy）、Department of Labour Relations。","Income tax on taxable €50,000":"課税所得€50,000に対する所得税","Tax-free threshold (no tax at €22,000 taxable)":"非課税の基準額（課税所得€22,000で税金なし）","Employee social insurance at the 2026 ceiling (per year)":"2026年の上限での従業員の社会保険（年額）","GESY employee contribution on €30,000":"€30,000に対する従業員のGESY拠出","Redundancy weeks after 10 years":"10年後の整理解雇手当の週数","New amount (optional)":"新しい金額（任意）","Next to each expense you can type a new amount, lower or higher than today. It replaces the suggested ceiling for that category, and the possible saving becomes today’s spending minus your new amount.":"各支出の横に、現在より少ない、または多い新しい金額を入力できます。それがその項目の推奨上限に置き換わり、節約可能額は現在の支出から新しい金額を引いた額になります。","Suggested ceiling or your new amount":"推奨上限または新しい金額","your new amount":"新しい金額","suggested {v}":"推奨 {v}","extra cost":"追加費用","With your new amounts":"新しい金額の場合","earliest stop age with the new amounts you typed":"入力した新しい金額での最も早い退職年齢","With your new amounts you save {m} a month: <b>{x}</b> after {n} years, and you could stop working at <b>{s2}</b> instead of {s1}.":"新しい金額では月 {m} 節約でき、{n} 年後に <b>{x}</b> になり、{s1} 歳ではなく <b>{s2}</b> 歳で働くのをやめられます。","With your new amounts you spend {m} more a month: <b>{x}</b> less after {n} years, and you could stop working at <b>{s2}</b> instead of {s1}.":"新しい金額では月 {m} 多く支出し、{n} 年後に <b>{x}</b> 少なくなり、{s1} 歳ではなく <b>{s2}</b> 歳で働くのをやめることになります。","Only the national scale and the Madrid and Catalonia regional scales are included; tax in other regions differs slightly.":"国の税率表とマドリード、カタルーニャの州税率表のみを含みます。他の州の税金はわずかに異なります。","Rates for England, Wales and Northern Ireland; Scotland’s income tax bands, student loans and benefits in kind are not included.":"イングランド、ウェールズ、北アイルランドの税率です。スコットランドの所得税区分、学生ローン、現物給付は含まれません。","The 30% ruling for expats and the health-insurance premium are not included.":"外国人向けの30%ルーリングと健康保険料は含まれません。","The lower rates of the Azores and Madeira and the health, education and housing deductions are not included.":"アゾレスとマデイラの低い税率と、医療、教育、住宅の控除は含まれません。","The wider tax band for married couples with two incomes is not modelled, and take-home pay is tested only through its parts (tax, USC, PRSI).":"共働き夫婦向けの広い税率区分はモデル化しておらず、手取りはその構成要素（税金、USC、PRSI）を通じてのみ検証しています。","Only the minimum pension is checked; the pension built up from your pay follows the rules but is not tested.":"検証しているのは最低年金のみです。給与から積み立てる年金は規則に従っていますが、検証していません。","Only the accrual rate is checked, not a full pension amount.":"検証しているのは給付乗率のみで、年金の全額ではありません。","The amount is an estimate: the official pension depends on your insurance points, and the basic insurable earnings used here are approximate.":"金額は推計です：公式の年金は保険ポイントによって決まり、ここで使う基礎被保険所得は概算です。","The unemployment benefit is an estimate based on approximate basic insurable earnings.":"失業手当は概算の基礎被保険所得に基づく推計です。","Premium rates follow the law; take-home extra pay uses the normal salary tax and contributions.":"割増率は法律に従っています。追加給与の手取りには通常の給与税と保険料を使います。","Austria’s tax-free overtime allowance is not applied, so take-home overtime pay is slightly too low.":"オーストリアの非課税の時間外手当控除は適用していないため、時間外手当の手取りはやや低めです。","Malta’s 15% flat tax on part of overtime pay is not applied, so take-home overtime pay is slightly too low.":"時間外手当の一部に対するマルタの一律15%税は適用していないため、時間外手当の手取りはやや低めです。","Self-employed tax and contributions are simplified; special freelancer schemes can give different results.":"自営業者の税金と保険料は簡略化しています。フリーランス向けの特別制度では結果が異なる場合があります。","Average wages for Malta are Eurostat 2025 figures projected to 2026; official 2026 figures are not yet published.":"マルタの平均賃金はEurostatの2025年の数値を2026年に推計したものです。2026年の公式の数値はまだ公表されていません。","Average wages for Cyprus are Eurostat 2025 figures projected to 2026; official 2026 figures are not yet published.":"キプロスの平均賃金はEurostatの2025年の数値を2026年に推計したものです。2026年の公式の数値はまだ公表されていません。","The state pension used here is an estimate (see the Pension tab).":"ここで使う公的年金は推計です（「年金」タブを参照）。","Approximate":"概算","Not verified":"未検証","For {c}, these figures follow the published 2026 rules but have not been checked against an official calculator yet.":"{c}について、これらの数値は公表された2026年の規則に従っていますが、まだ公式の計算機と照合していません。","For {c}, this tab is partly checked against official sources ({n} checks), but some parts are approximate:":"{c}について、このタブは一部公式情報源と照合済み（{n} 件の検証）ですが、一部は概算です：","For {c}, some parts of this tab are approximate:":"{c}について、このタブの一部は概算です：","Labour market contribution (AM-bidrag) 8%":"労働市場拠出金（AM-bidrag）8%","ATP (supplementary pension), employee share":"ATP（補足年金）、従業員負担分","State base tax (bundskat) 12.01%":"国の基礎税（bundskat）12.01%","Church tax (kirkeskat)":"教会税（kirkeskat）","Middle, top and top-top tax (7.5% / 7.5% / 5%)":"中間税、最高税、最上位税（7.5% / 7.5% / 5%）","Employment allowance + job allowance (deducted)":"雇用控除 + 職業控除（控除済み）","Personal allowance":"基礎控除","Child and youth benefit (paid separately, about)":"児童・若者手当（別途支給、概算）","white-collar minimum (Funktionærloven); others by collective agreement":"ホワイトカラーの最低基準（Funktionærloven）。その他は労働協約による","1 month":"1か月","Denmark":"デンマーク","Municipal tax rate (%)":"市町村税率（%）","Member of the Church of Denmark (church tax)":"デンマーク国教会の会員（教会税）","8% labour market contribution first, then municipal tax (average 25.05%, 23.39–26.30%) and state base tax 12.01% above the personal allowance of DKK 54,100. Middle tax 7.5% above DKK 641,200, top tax 7.5% above DKK 777,900 and top-top tax 5% above DKK 2,592,700 (personal income after AM). Tax ceiling 44.57% for municipal + base + middle tax.":"まず8%の労働市場拠出金、その後DKK 54,100の基礎控除を超える部分に市町村税（平均25.05%、23.39〜26.30%）と国の基礎税12.01%。DKK 641,200超に中間税7.5%、DKK 777,900超に最高税7.5%、DKK 2,592,700超に最上位税5%（AM控除後の個人所得）。市町村税 + 基礎税 + 中間税の税率上限は44.57%。","Employment allowance 12.75% of pay (max DKK 63,300) and job allowance 4.5% above DKK 235,200 (max DKK 3,100) reduce the municipal tax base. Church tax about 0.87% for members. ATP: DKK 99 a month from you, DKK 198 from the employer.":"雇用控除は給与の12.75%（最大DKK 63,300）、職業控除はDKK 235,200超の4.5%（最大DKK 3,100）で、市町村税の課税ベースを減らします。教会税は会員で約0.87%。ATP：本人は月DKK 99、雇用主はDKK 198。","Danish law sets no overtime premium; collective agreements usually pay +50% for the first hours and +100% after, or time off. Average week max 48 hours over 4 months.":"デンマークの法律には時間外割増の定めがなく、労働協約では通常、最初の数時間は+50%、その後は+100%、または代休。平均週労働時間は4か月平均で最大48時間。","Overtime pays AM-bidrag and income tax like normal pay.":"時間外労働には通常の給与と同様にAM-bidragと所得税がかかります。","Profit pays the 8% labour market contribution and the same income taxes as wages (personal allowance, municipal and state taxes). Voluntary ATP and unemployment insurance are extra. VAT registration above DKK 50,000 turnover.":"利益には8%の労働市場拠出金と、給与と同じ所得税（基礎控除、市町村税、国税）がかかります。任意のATPと失業保険は別途。売上DKK 50,000超でVAT登録。","From 67 (born up to 1962), 68 (1963–66), 69 (1967–70) and 70 (from 1971). Basic amount DKK 7,544 a month, full after 40 years of residence between 15 and pension age; pension supplement up to DKK 8,729 (single) or DKK 4,467 (couple), reduced by other income. Deferring raises the pension.":"67歳（1962年までの生まれ）、68歳（1963〜66年）、69歳（1967〜70年）、70歳（1971年から）から。基礎額は月DKK 7,544、15歳から年金年齢までに40年居住で満額。年金補足は最大DKK 8,729（単身）またはDKK 4,467（夫婦）、他の所得で減額。繰下げると年金が増えます。","ATP and labour-market pensions":"ATPと労働市場年金","ATP is a small lifelong supplement for everyone who worked. Most income in retirement comes from labour-market pensions agreed in collective agreements, typically 12% of pay (8% employer, 4% employee), deducted before AM-bidrag.":"ATPは働いたすべての人への少額の終身補足です。退職後の収入の大半は労働協約で合意された労働市場年金から得られ、通常は給与の12%（雇用主8%、従業員4%）で、AM-bidragの前に控除されます。","Contributions to an employer pension scheme are deducted before AM-bidrag and income tax. Payouts are taxed as income; returns pay 15.3% PAL tax.":"雇用主の年金制度への拠出はAM-bidragと所得税の前に控除されます。受け取りは所得として課税され、運用益には15.3%のPAL税がかかります。","Labour-market pension: contributions (often 4% from you and 8% from the employer) are deducted before AM-bidrag and tax. Returns pay 15.3% PAL tax, payouts are taxed as income. Deposit interest is capital income taxed at about 37–42%.":"労働市場年金：拠出（多くは本人4%、雇用主8%）はAM-bidragと税金の前に控除されます。運用益には15.3%のPAL税、受け取りは所得として課税。預金利息は資本所得で約37〜42%で課税されます。","Maundy Thursday":"聖木曜日","Easter Sunday":"復活祭の日曜日","Whit Sunday":"聖霊降臨祭","Constitution Day (often a day off)":"憲法記念日（休みになることが多い）","5 weeks (25 working days) a year under the Holiday Act, earned at 2.08 days a month, with 12.5% holiday pay or full pay plus a 1% supplement. Many agreements add 5 extra holiday days (feriefridage). Great Prayer Day was abolished in 2024.":"休暇法により年5週間（25労働日）、月2.08日ずつ獲得、12.5%の休暇手当または給与全額に1%の補足。多くの協約でさらに5日の休暇日（feriefridage）。大祈祷日は2024年に廃止。","4 weeks before the birth and 24 weeks after (11 of them earmarked)":"出産前4週と出産後24週（うち11週は割り当て）","Barselsdagpenge up to DKK 5,085 a week; many employers pay full salary":"Barselsdagpengeは週最大DKK 5,085。多くの雇用主は給与全額を支払う","Leave for the other parent":"もう一方の親の休暇","24 weeks, of which 2 right after the birth and 11 earmarked":"24週、うち2週は出産直後、11週は割り当て","Barselsdagpenge up to DKK 5,085 a week":"Barselsdagpengeは週最大DKK 5,085","Child’s sick day":"子どもの病気の日","1st and often 2nd sick day of a child under 18 (by agreement)":"18歳未満の子どもの病気の1日目、多くは2日目も（協約による）","Usually paid":"通常は有給","Up to 5 days a year for a seriously ill relative":"重病の親族のため年最大5日","White-collar staff keep full pay; otherwise the employer pays 30 days, then the municipality":"ホワイトカラーは給与全額を維持。それ以外は雇用主が30日支給、その後は市町村","Sygedagpenge up to DKK 5,085 a week":"Sygedagpengeは週最大DKK 5,085","Notice (white-collar)":"予告（ホワイトカラー）","From the employer: 1 month in the first 6 months, then 3 months, rising by 1 month every 3 years to 6 months after almost 9 years. From you: 1 month. Other workers follow their collective agreement.":"雇用主から：最初の6か月は1か月、その後3か月、3年ごとに1か月増え、約9年後に6か月。本人から：1か月。その他の労働者は労働協約に従います。","Severance and unemployment benefit":"退職金と失業給付","White-collar staff get 1, 2 or 3 months’ pay after 12, 15 or 18 years. Unemployment benefit (dagpenge) for a-kasse members: 90% of previous pay, max DKK 22,041 a month, for up to 2 years.":"ホワイトカラーは12年、15年、18年後に給与1、2、3か月分を受け取ります。a-kasse会員の失業給付（dagpenge）：以前の給与の90%、月最大DKK 22,041、最長2年。","Above DKK 641,200 (after AM) middle tax adds 7.5%; pension contributions through your employer reduce it.":"DKK 641,200（AM控除後）を超えると中間税で7.5%加算されます。雇用主を通じた年金拠出で減らせます。","Join an a-kasse: without membership there is no earnings-related unemployment benefit.":"a-kasseに加入してください：会員でないと所得比例の失業給付はありません。","Child and youth benefit (børne- og ungeydelse) 2026: DKK 5,370 a quarter (0–2 years), 4,248 (3–6), 3,342 (7–14) and DKK 1,114 a month (15–17); reduced for high earners. The table uses the 7–14 rate.":"児童・若者手当（børne- og ungeydelse）2026年：四半期DKK 5,370（0〜2歳）、4,248（3〜6歳）、3,342（7〜14歳）、月DKK 1,114（15〜17歳）。高所得者は減額。表は7〜14歳の額を使います。","White-collar severance after 12 years":"12年後のホワイトカラーの退職金","4 + 24 weeks, up to DKK 5,085/week":"4 + 24週、週最大DKK 5,085","24 weeks (2 at birth, 11 earmarked)":"24週（出産時2週、割り当て11週）","Shared within the 48 weeks":"48週の中で共有","Full pay for white-collar staff":"ホワイトカラーは給与全額","Employee taxed individually; annual tax as in the year-end statement (monthly withholding follows the tax card). Labour-market pension contributions, transport deduction, union fees and the high-earner reduction of child benefit are not modelled. Employer cost is ATP plus about 0.6% for other levies.":"個別に課税される従業員。年間の税額は年末の明細どおりです（月々の源泉徴収は税カードに従います）。労働市場年金の拠出、通勤控除、組合費、高所得者の児童手当減額はモデル化していません。雇用主コストはATPに約0.6%のその他の賦課金を加えた額です。","Official sources: Skattestyrelsen (skat.dk), Skatteministeriet (average municipal and church tax 2026), Beskæftigelsesministeriet (rates 2026), borger.dk (folkepension, child benefit), Funktionærloven.":"公式情報源：Skattestyrelsen（skat.dk）、Skatteministeriet（2026年の平均市町村税・教会税）、Beskæftigelsesministeriet（2026年の料率）、borger.dk（folkepension、児童手当）、Funktionærloven。","Maximum employment allowance (reached at DKK 496,471)":"雇用控除の最大額（DKK 496,471で到達）","Maximum job allowance":"職業控除の最大額","Base tax on personal income of DKK 300,000":"個人所得DKK 300,000に対する基礎税","Middle tax on personal income of DKK 700,000":"個人所得DKK 700,000に対する中間税","Full folkepension, single (per month)":"folkepension満額、単身（月額）","White-collar notice after 10 years (months)":"10年後のホワイトカラーの予告（月）","Child and youth benefit, age 0–2 (per quarter)":"児童・若者手当、0〜2歳（四半期）","General pension contribution 7% (credited back against tax)":"一般年金拠出 7%（税額から全額控除）","State income tax 20% above SEK 643,000":"SEK 643,000超に国の所得税20%","Tax reductions (pension contribution, work, earned income)":"税額軽減（年金拠出、就労、勤労所得）","Basic allowance (grundavdrag)":"基礎控除（grundavdrag）","Employment tax credit (jobbskatteavdrag)":"就労税額控除（jobbskatteavdrag）","Child allowance (paid separately)":"児童手当（別途支給）","Self-employed contributions (egenavgifter 28.97%) + pension contribution 7%":"自営業者の保険料（egenavgifter 28.97%）+ 年金拠出 7%","minimum under the Employment Protection Act (LAS); collective agreements may give more":"雇用保護法（LAS）による最低基準。労働協約ではより多い場合あり","Sweden":"スウェーデン","Municipal + regional tax rate (%)":"市町村 + 県の税率（%）","Member of the Church of Sweden (church fee)":"スウェーデン国教会の会員（教会費）","Municipal and regional tax (average 32.38%) on pay after the basic allowance (SEK 17,400–45,600); state tax 20% on taxable income above SEK 643,000 (pay above about SEK 660,400). The employment tax credit (jobbskatteavdrag) and the earned income reduction (up to SEK 1,500) lower the tax; burial fee 0.292% and public service fee 1% (max SEK 1,184) are added.":"基礎控除（SEK 17,400〜45,600）後の給与に市町村・県の税（平均32.38%）。SEK 643,000を超える課税所得（給与で約SEK 660,400超）に国税20%。就労税額控除（jobbskatteavdrag）と勤労所得軽減（最大SEK 1,500）で税金が下がり、埋葬費0.292%と公共放送費1%（最大SEK 1,184）が加わります。","You pay a 7% general pension contribution (max SEK 47,100), which is fully credited back against your tax. The employer pays 31.42% social fees on top of your salary.":"7%の一般年金拠出（最大SEK 47,100）を払いますが、全額が税額から控除されます。雇用主は給与に加えて31.42%の社会保険料を払います。","The Working Hours Act limits overtime to 200 hours a year (48 per 4 weeks or 50 per month); the premium comes from collective agreements, usually +50% on weekdays and +100% at night and weekends.":"労働時間法は時間外労働を年200時間（4週48時間または月50時間）に制限しています。割増は労働協約で定められ、通常は平日+50%、夜間と週末+100%。","Overtime is taxed like normal pay.":"時間外労働は通常の給与と同様に課税されます。","200 h / year":"年200時間","Sole trader (enskild firma)":"個人事業（enskild firma）","Self-employed contributions of 28.97% are paid on the profit (with a provisional 25% deduction), then the same income taxes and tax credits as for employees. F-tax registration and preliminary tax payments are needed.":"利益に28.97%の自営業者保険料（暫定的に25%控除）を払い、その後は従業員と同じ所得税と税額控除が適用されます。F税登録と予定納税が必要です。","18.5% of pensionable pay (16% income pension, 2.5% premium pension in funds), on pay up to SEK 625,500 a year. Claim from 63; target age 67 in 2026. A guarantee pension (about SEK 9,530 a month for a single person with no income pension) tops up low pensions from 67 after 40 years of residence.":"年金算定給与の18.5%（所得年金16%、ファンドでのプレミアム年金2.5%）、給与は年SEK 625,500まで。63歳から請求可能、2026年の目標年齢は67歳。保証年金（所得年金のない単身者で月約SEK 9,530）が40年居住後、67歳から少額の年金を上乗せします。","Occupational pension":"職域年金","Nine in ten employees have an occupational pension through a collective agreement, typically 4.5% of pay up to 7.5 income base amounts and 30% above.":"従業員の10人に9人が労働協約を通じた職域年金を持っており、通常は所得基礎額の7.5倍までの給与の4.5%、それを超える部分の30%。","Salary exchange (löneväxling) into your occupational pension is paid before tax; employers often add about 6% because their social fees are lower. Private pension savings are not tax-deductible for employees.":"職域年金への給与交換（löneväxling）は税引前に支払われます。雇用主の社会保険料が下がるため、約6%上乗せされることが多いです。従業員の個人年金貯蓄は税控除されません。","Occupational pension (ITP, SAF-LO and others) is paid by the employer; salary exchange lets you add more before tax. Payouts are taxed as income. Savings in an investment savings account (ISK) pay a small flat yearly tax instead of 30% on returns.":"職域年金（ITP、SAF-LOなど）は雇用主が支払い、給与交換で税引前に追加できます。受け取りは所得として課税されます。投資貯蓄口座（ISK）の貯蓄には、運用益への30%の代わりに少額の定額年税がかかります。","May Day":"メーデー","Midsummer Day":"夏至祭の日","All Saints’ Day":"諸聖人の日","Boxing Day":"ボクシングデー","25 working days a year under the Annual Leave Act, with 12% holiday pay (or salary plus a holiday supplement), 4 weeks of it in June–August if you wish. Midsummer Eve, Christmas Eve and New Year’s Eve are treated as public holidays by most employers.":"年次休暇法により年25労働日、12%の休暇手当（または給与に休暇補足）。希望すれば6〜8月に4週間取得できます。夏至祭前夜、クリスマスイブ、大晦日はほとんどの雇用主が祝日扱いにします。","Parental benefit":"両親手当","480 days per child for both parents (90 reserved for each); can be used until the child is 12":"子ども1人につき両親で480日（各90日は割り当て）。子どもが12歳になるまで使えます","390 days at about 80% of pay (capped at 10 price base amounts), 90 days at SEK 180":"390日は給与の約80%（価格基礎額の10倍が上限）、90日は1日SEK 180","Days at birth for the other parent":"出生時のもう一方の親の日","10 days in connection with the birth":"出生に関連して10日","About 80% from Försäkringskassan":"Försäkringskassanから約80%","Care of a sick child (VAB)":"病気の子どもの看護（VAB）","Up to 120 days a year per child under 12":"12歳未満の子ども1人につき年最大120日","About 80% of pay":"給与の約80%","Employer pays days 2–14 (one deduction day), then Försäkringskassan":"雇用主が2〜14日目を支給（1日の控除日あり）、その後Försäkringskassan","80% of pay":"給与の80%","Dismissal (lack of work)":"解雇（業務不足）","Notice (LAS)":"予告（LAS）","From the employer: 1 month (under 2 years of service), 2 months (2–4), 3 (4–6), 4 (6–8), 5 (8–10), 6 months (10+). From you: 1 month. There is no statutory severance pay; some agreements give transition support.":"雇用主から：1か月（勤続2年未満）、2か月（2〜4年）、3か月（4〜6年）、4か月（6〜8年）、5か月（8〜10年）、6か月（10年以上）。本人から：1か月。法定退職金はなく、一部の協約で移行支援があります。","For a-kassa members: 80% of previous pay for the first 100 days (max SEK 1,200 a day), then 70% (max SEK 1,000), up to 300 days.":"a-kassa会員の場合：最初の100日は以前の給与の80%（1日最大SEK 1,200）、その後70%（最大SEK 1,000）、最大300日。","Above about SEK 660,400 a year, state tax adds 20% on each extra krona.":"年約SEK 660,400を超えると、追加1クローナごとに国税20%が加算されます。","Join an a-kassa early: you need 12 months of membership for the earnings-related rate.":"早めにa-kassaに加入してください：所得比例の給付には12か月の会員期間が必要です。","Child allowance SEK 1,250 a month per child until 16, with a large-family supplement from the 2nd child (SEK 150 for 2 children, 730 for 3, 1,740 for 4).":"児童手当は16歳まで子ども1人につき月SEK 1,250、第2子から多子加算（子ども2人でSEK 150、3人で730、4人で1,740）。","No statutory severance":"法定退職金なし","480 days per child shared, ~80% for 390":"子ども1人につき480日を共有、390日は約80%","10 days at birth + 90 reserved days":"出生時10日 + 割り当て90日","Included in the 480 days, until age 12":"480日に含まれる、12歳まで","80% from day 2 (employer days 2–14)":"2日目から80%（雇用主が2〜14日目）","Employee under 66 taxed with the 2026 tax table rules (column 1); the final tax decision can differ slightly. Deductions for travel, union fees and interest, the higher allowances from 66 and housing supplements are not modelled. Typical rent is the SCB average for a 2-room flat.":"2026年の税表規則（第1列）で課税される66歳未満の従業員。最終的な税決定はわずかに異なる場合があります。通勤、組合費、利息の控除、66歳からの高い控除、住宅補足はモデル化していません。一般的な家賃は2部屋住宅のSCB平均です。","Official sources: Skatteverket (Teknisk beskrivning SKV 433 2026, belopp och procent 2026), Pensionsmyndigheten, Försäkringskassan, Statistics Sweden (SCB rents 2025), the Employment Protection Act (LAS).":"公式情報源：Skatteverket（Teknisk beskrivning SKV 433 2026、belopp och procent 2026）、Pensionsmyndigheten、Försäkringskassan、スウェーデン統計局（SCB家賃2025年）、雇用保護法（LAS）。","Employment tax credit at SEK 90,000 (municipal rate 32.84%)":"SEK 90,000での就労税額控除（市町村税率32.84%）","Employment tax credit at SEK 240,000 (municipal rate 32.84%)":"SEK 240,000での就労税額控除（市町村税率32.84%）","Total tax on SEK 55,000 a year (34% table)":"年SEK 55,000に対する税額合計（34%の表）","Basic allowance at the state-tax breakpoint (SEK 660,400)":"国税の分岐点（SEK 660,400）での基礎控除","Maximum general pension contribution":"一般年金拠出の上限","Employer notice after 10 years (months)":"10年後の雇用主の予告（月）","Child allowance, 2 children (per month)":"児童手当、子ども2人（月額）","Social security contribution (trygdeavgift) 7.6%":"社会保障拠出金（trygdeavgift）7.6%","Tax on ordinary income 22%":"通常所得への税 22%","Bracket tax (trinnskatt)":"段階税（trinnskatt）","Standard deduction (minstefradrag)":"標準控除（minstefradrag）","Employer’s mandatory occupational pension (at least 2%)":"雇用主の強制職域年金（少なくとも2%）","Child benefit (paid separately)":"児童手当（別途支給）","Social security contribution for the self-employed 10.8%":"自営業者の社会保障拠出金 10.8%","minimum under the Working Environment Act":"労働環境法による最低基準","age":"年齢","Norway":"ノルウェー","Union fees per year (deductible up to NOK 8,700)":"年間の組合費（NOK 8,700まで控除可能）","22% on ordinary income after the standard deduction (46% of pay, max NOK 95,700) and the personal allowance of NOK 114,540. Bracket tax on gross pay: 1.7% above NOK 226,100, 4.0% above 318,300, 13.7% above 725,050, 16.8% above 980,100 and 17.8% above 1,467,200.":"標準控除（給与の46%、最大NOK 95,700）とNOK 114,540の個人控除後の通常所得に22%。総支給に対する段階税：NOK 226,100超で1.7%、318,300超で4.0%、725,050超で13.7%、980,100超で16.8%、1,467,200超で17.8%。","Employee contribution 7.6% of pay (none below NOK 99,650, and never more than 25% of the income above it). The employer pays 14.1% (zone 1) and at least 2% into an occupational pension (OTP) on pay between 1 and 12 G.":"従業員拠出金は給与の7.6%（NOK 99,650未満はなし、かつそれを超える所得の25%を超えることはない）。雇用主は14.1%（第1区域）と、1〜12 Gの給与に対して少なくとも2%を職域年金（OTP）に払います。","Overtime is paid at least +40% under the Working Environment Act. Max 10 hours a week, 25 hours in 4 weeks and 200 hours a year (up to 300 by agreement).":"労働環境法により、時間外労働は少なくとも+40%で支払われます。週最大10時間、4週25時間、年200時間（協約で最大300時間）。","Overtime is taxed like normal pay, often at about 44–50% at the margin.":"時間外労働は通常の給与と同様に課税され、限界では約44〜50%になることが多いです。","Sole proprietor (ENK)":"個人事業主（ENK）","Profit pays 10.8% social security, bracket tax and 22% on ordinary income after the personal allowance (no standard deduction). Sickness benefit only from day 17 unless you buy extra insurance; no mandatory pension, so save on your own (EPS).":"利益には10.8%の社会保障、段階税、個人控除後の通常所得への22%がかかります（標準控除なし）。追加保険に入らない限り、傷病手当は17日目からのみ。強制年金がないため、自分で貯蓄してください（EPS）。","National retirement pension":"国民老齢年金","18.1% of each year’s income up to 7.1 G (G = NOK 136,549 from May 2026) is added to your pension account. Claim flexibly from 62 to 75 (from 62 only if the pension at 67 reaches the guarantee level); a later start gives more per year. Guarantee pension up to NOK 253,787 a year (single, 40 years of residence) from 67.":"毎年の所得の7.1 G（G = 2026年5月からNOK 136,549）までの18.1%が年金口座に加算されます。62歳から75歳まで柔軟に請求可能（62歳からは67歳時点の年金が保証水準に達する場合のみ）。開始が遅いほど年額が増えます。保証年金は67歳から年最大NOK 253,787（単身、40年居住）。","Occupational pension and AFP":"職域年金とAFP","Employers must pay at least 2% of pay between 1 and 12 G into OTP; many pay 5–7%. In firms with a collective agreement, the AFP adds a lifelong supplement.":"雇用主は1〜12 Gの給与の少なくとも2%をOTPに払わなければならず、多くは5〜7%を払います。労働協約のある企業では、AFPが終身の補足を加えます。","Individual pension savings (IPS): up to NOK 15,000 a year is deducted from ordinary income (22% saving). Employer OTP contributions are tax-free for you.":"個人年金貯蓄（IPS）：年NOK 15,000までが通常所得から控除されます（22%の節税）。雇用主のOTP拠出は本人には非課税です。","OTP from the employer (at least 2%, often 5–7%) and IPS (up to NOK 15,000 a year, deductible at 22%). Payouts are taxed as pension income. Deposit interest is taxed at 22%.":"雇用主からのOTP（少なくとも2%、多くは5〜7%）とIPS（年NOK 15,000まで、22%で控除）。受け取りは年金所得として課税されます。預金利息は22%で課税。","25 working days a year under the Holiday Act (counting Saturdays, so 4 weeks and 1 day); most collective agreements give 5 weeks. Holiday pay is 10.2% of last year’s pay (12% with 5 weeks), paid in June instead of salary; 2.3% extra from age 60.":"休暇法により年25労働日（土曜を数えるため4週と1日）。ほとんどの労働協約では5週間。休暇手当は前年給与の10.2%（5週間なら12%）で、6月に給与の代わりに支払われます。60歳から2.3%追加。","49 weeks at 100% or 61 weeks at 80%; 3 weeks before the birth and 15 weeks for each parent are reserved":"49週100%または61週80%。出産前3週と両親それぞれ15週は割り当て","100% (or 80%) of pay up to 6 G (NOK 819,294 a year)":"給与の100%（または80%）、6 G（年NOK 819,294）まで","Leave for the other parent at birth":"出生時のもう一方の親の休暇","2 weeks in connection with the birth":"出生に関連して2週間","Paid by many employers or by agreement":"多くの雇用主または協約により支給","Care of a sick child":"病気の子どもの看護","10 days a year per parent (15 with 3+ children), child under 12":"12歳未満の子どもについて親1人につき年10日（子ども3人以上なら15日）","100% (employer, then NAV)":"100%（雇用主、その後NAV）","Employer pays the first 16 days, then NAV, up to 1 year":"雇用主が最初の16日を支給、その後NAV、最長1年","100% of pay up to 6 G":"給与の100%、6 Gまで","Dismissal (redundancy)":"解雇（整理解雇）","1 month, 2 months after 5 years and 3 months after 10 years of service; with 10+ years the employer must give 4 months from age 50, 5 from 55 and 6 from 60. Dismissal needs objective grounds. There is no statutory severance pay.":"1か月、勤続5年後は2か月、10年後は3か月。10年以上の場合、雇用主は50歳から4か月、55歳から5か月、60歳から6か月の予告が必要。解雇には客観的な理由が必要です。法定退職金はありません。","Unemployment benefit (dagpenger)":"失業給付（dagpenger）","62.4% of previous income up to 6 G, for 104 weeks if you earned at least 2 G (52 weeks otherwise). Requires income of at least 1.5 G in the last 12 months.":"以前の所得の62.4%、6 Gまで。少なくとも2 G稼いでいれば104週（それ以外は52週）。過去12か月に少なくとも1.5 Gの所得が必要。","Above NOK 725,050 bracket tax jumps to 13.7%, so each extra krone keeps only about half.":"NOK 725,050を超えると段階税が13.7%に上がり、追加1クローネごとに約半分しか残りません。","IPS: saving NOK 15,000 a year in a pension account cuts your tax by NOK 3,300.":"IPS：年NOK 15,000を年金口座に貯蓄すると、税金がNOK 3,300減ります。","Child benefit NOK 2,012 a month per child under 18 from February 2026, not means-tested.":"児童手当は2026年2月から18歳未満の子ども1人につき月NOK 2,012、所得制限なし。","49 weeks at 100% (shared, 15 reserved each)":"49週100%（共有、各15週は割り当て）","15 reserved weeks + 2 at birth":"割り当て15週 + 出生時2週","Included in the 49 weeks":"49週に含まれる","100% up to 6 G from day 1":"初日から100%、6 Gまで","Employee in tax zone 1 (not Finnmark or Nord-Troms), taxed as single (tax class 1); the annual settlement can differ from monthly withholding. Interest, travel and other deductions are not modelled. Typical rent is the SSB average for a 2-room flat; energy costs are raised with general inflation because 2020 electricity prices were unusually low.":"第1税区域（フィンマルクとノルド・トロムス以外）の従業員、単身として課税（税クラス1）。年間の精算は月々の源泉徴収と異なる場合があります。利息、通勤その他の控除はモデル化していません。一般的な家賃は2部屋住宅のSSB平均です。2020年の電気料金が異常に安かったため、エネルギー費は一般的なインフレ率で引き上げています。","Official sources: Skatteetaten (rates 2026), NAV (G from May 2026, guarantee pension, child benefit, dagpenger), Statistics Norway (rental survey 2025), the Working Environment Act.":"公式情報源：Skatteetaten（2026年の税率）、NAV（2026年5月からのG、保証年金、児童手当、dagpenger）、ノルウェー統計局（家賃調査2025年）、労働環境法。","Bracket tax on NOK 800,000":"NOK 800,000に対する段階税","Maximum standard deduction (minstefradrag)":"標準控除（minstefradrag）の上限","Social security at NOK 100,000 (25% rule above NOK 99,650)":"NOK 100,000での社会保障（NOK 99,650超の25%ルール）","Employee social security, NOK 600,000":"従業員の社会保障、NOK 600,000","Guarantee pension, single, high rate (per year)":"保証年金、単身、高率（年額）","Notice after 10 years at age 56 (months)":"56歳、10年後の予告（月）","Maximum unemployment benefit per day (62.4% of 6 G / 260)":"1日あたりの失業給付の上限（6 Gの62.4% / 260）","Child benefit per child (per month)":"子ども1人あたりの児童手当（月額）","Unemployment insurance 0.89% + daily allowance contribution 0.88%":"失業保険 0.89% + 日額手当拠出 0.88%","State income tax (after the work income deduction)":"国の所得税（勤労所得控除後）","Health care contribution 1.10% + Yle tax":"医療拠出金 1.10% + Yle税","Work income deduction (työtulovähennys)":"勤労所得控除（työtulovähennys）","Self-employed pension (YEL) 24.4%":"自営業者年金（YEL）24.4%","14 days":"14日","minimum under the Employment Contracts Act; agreements may differ":"雇用契約法による最低基準。協約では異なる場合あり","Finland":"フィンランド","Church member (church tax)":"教会員（教会税）","State tax 12.64% up to €22,000, 19% to €32,600, 30.25% to €40,100, 33.25% to €52,100 and 37.5% above; municipal tax (average 7.57%) after the basic deduction (up to €4,265); church tax about 1.38% for members; health care contribution 1.10%; Yle tax 2.5% above €15,150 (max €163). The work income deduction (18% of pay, max €3,430, +€105 per child) is taken from the tax.":"国税は€22,000まで12.64%、€32,600まで19%、€40,100まで30.25%、€52,100まで33.25%、それを超える部分は37.5%。基礎控除（最大€4,265）後に市町村税（平均7.57%）。教会員は教会税約1.38%。医療拠出金1.10%。Yle税は€15,150超で2.5%（最大€163）。勤労所得控除（給与の18%、最大€3,430、子ども1人につき+€105）は税額から差し引かれます。","Employee pension 7.30% (8.80% at ages 53–62), unemployment insurance 0.89% and daily allowance contribution 0.88%, all deductible. The employer pays about 17.1% pension plus 3.4% other insurances.":"従業員年金7.30%（53〜62歳は8.80%）、失業保険0.89%、日額手当拠出0.88%、すべて控除可能。雇用主は年金約17.1%に加え、その他の保険3.4%を払います。","Daily overtime: +50% for the first 2 hours and +100% after; weekly overtime +50% for the first 8 hours and +100% after. Sunday work +100%. Max 138 hours in 4 months and 250 a year (more by agreement).":"1日の時間外労働：最初の2時間は+50%、その後は+100%。週の時間外労働：最初の8時間は+50%、その後は+100%。日曜の労働は+100%。4か月で最大138時間、年250時間（協約でより多く）。","Self-employed (toiminimi)":"自営業者（toiminimi）","YEL pension insurance is compulsory above about €9,400 of YEL income, at 24.4% (22% discount for new entrepreneurs for 4 years); it is deductible. Profit is taxed as earned income with the same scale; part can be taxed as capital income depending on net assets. Not modelled: the 22% discount and capital income share.":"YEL年金保険はYEL所得約€9,400を超えると強制で、料率24.4%（新規起業家は4年間22%割引）。控除可能です。利益は同じ税率表で勤労所得として課税され、純資産に応じて一部は資本所得として課税される場合があります。モデル化していないもの：22%割引と資本所得部分。","Earnings-related pension":"所得比例年金","1.5% of each year’s pay is earned as pension, adjusted by the life-expectancy coefficient. The lowest old-age pension age is 65 for those born from 1965 (rising with life expectancy), and each month of deferral adds 0.4%.":"毎年の給与の1.5%が年金として積み立てられ、平均余命係数で調整されます。最低老齢年金年齢は1965年以降生まれで65歳（平均余命とともに上昇）、繰下げ1か月ごとに0.4%加算。","National and guarantee pension":"国民年金と保証年金","Kela’s national pension (up to €787.07 a month for a single person) and guarantee pension (total pension at least €990.90 a month) top up small earnings-related pensions.":"Kelaの国民年金（単身者で月最大€787.07）と保証年金（年金合計が月€990.90以上になるよう）が、少額の所得比例年金を上乗せします。","Voluntary pension savings (PS) of up to €5,000 a year are deductible from capital income, or as a 30% credit against earned income tax if you have no capital income. Payouts are capital income.":"任意の年金貯蓄（PS）は年€5,000まで資本所得から控除でき、資本所得がない場合は勤労所得税に対する30%の税額控除になります。受け取りは資本所得です。","The statutory earnings-related pension covers most people well; voluntary PS savings (up to €5,000 a year) get a deduction worth about 30%. Deposit interest and fund gains pay 30% capital income tax (34% above €30,000).":"法定の所得比例年金でほとんどの人は十分に保障されます。任意のPS貯蓄（年€5,000まで）には約30%相当の控除があります。預金利息とファンドの利益には30%の資本所得税（€30,000超は34%）。","2.5 days of leave for each full month worked (2 days in the first year), counted in weekdays Mon–Sat: 30 days, equal to 5 weeks. Most collective agreements add a holiday bonus (lomaraha) of 50% of holiday pay. Midsummer Eve and Christmas Eve are usually days off.":"勤務した満1か月ごとに2.5日の休暇（1年目は2日）、月〜土の平日で数えて30日、つまり5週間。ほとんどの労働協約では休暇手当の50%の休暇ボーナス（lomaraha）が加わります。夏至祭前夜とクリスマスイブは通常休み。","Pregnancy allowance":"妊娠手当","40 working days before the birth":"出産前40労働日","About 90% of pay for the first 56 days, then about 70%":"最初の56日は給与の約90%、その後約70%","160 days per parent (up to 63 transferable) until the child is 2":"子どもが2歳になるまで親1人につき160日（最大63日は譲渡可能）","About 70% of pay from Kela":"Kelaから給与の約70%","Temporary care leave":"一時的な看護休暇","Up to 4 days for a sick child under 10":"10歳未満の病気の子どものため最大4日","Often paid by collective agreement":"労働協約により有給のことが多い","Employer pays the day you fall ill and the next 9 working days, then Kela":"雇用主が病気になった日と次の9労働日を支給、その後Kela","100%, then about 70% sickness allowance":"100%、その後約70%の傷病手当","Dismissal (financial or production reasons)":"解雇（財務上または生産上の理由）","From the employer: 14 days (under 1 year of service), 1 month (1–4 years), 2 months (4–8), 4 months (8–12), 6 months (12+). From you: 14 days, or 1 month after 5 years. No statutory severance pay; compensation only for unjustified dismissal.":"雇用主から：14日（勤続1年未満）、1か月（1〜4年）、2か月（4〜8年）、4か月（8〜12年）、6か月（12年以上）。本人から：14日、または5年後は1か月。法定退職金はなく、不当解雇の場合のみ補償。","Unemployment allowance":"失業手当","Earnings-related allowance for unemployment fund members: €37.21 a day + 45% of the daily wage above it (20% above the split point), reduced to 80% after 8 weeks and 75% after 34 weeks, for 400 days (300 with less than 3 years of work).":"失業基金会員の所得比例手当：1日€37.21 + それを超える日額賃金の45%（分岐点超は20%）、8週後に80%、34週後に75%に減額、400日（就労3年未満は300日）。","Above about €52,100 the state tax is 37.5%, so the marginal tax is about 52%.":"約€52,100を超えると国税が37.5%になり、限界税率は約52%です。","Join an unemployment fund (työttömyyskassa) to get the earnings-related allowance instead of the basic €37.21 a day.":"失業基金（työttömyyskassa）に加入すると、基本の1日€37.21ではなく所得比例の手当を受け取れます。","Child benefit (lapsilisä) 2026: €94.88 a month for the first child, €104.84 for the second, €133.79 for the third, €153.24 for the fourth and €172.69 for each further child, until 17; single parents get €73.30 more per child.":"児童手当（lapsilisä）2026年：第1子月€94.88、第2子€104.84、第3子€133.79、第4子€153.24、以降1人につき€172.69、17歳まで。ひとり親は子ども1人につき€73.30追加。","40 days pregnancy + 160 days parental":"妊娠40日 + 育児160日","160 days parental (63 transferable)":"育児160日（63日は譲渡可能）","160 days per parent until age 2":"2歳まで親1人につき160日","100% for 10 days, then ~70% (Kela)":"10日100%、その後約70%（Kela）","Employee under 65, annual tax as in the tax decision (monthly withholding uses a tax card percentage). For salaries below about €35,000 the result can be up to 1% of pay higher than the Finnish Taxpayers’ Association figures. Deductions for travel, union fees and household work, and the pension income deduction, are not modelled.":"65歳未満の従業員、年間の税額は税決定どおりです（月々の源泉徴収は税カードの税率を使います）。約€35,000未満の給与では、フィンランド納税者協会の数値より給与の最大1%高くなる場合があります。通勤、組合費、家事サービスの控除と年金所得控除はモデル化していません。","Official sources: Finnish Tax Administration (vero.fi), Government proposal HE 98/2025 (2026 tax scale and deductions), Kela (national pension, child benefit, unemployment allowance), Finnish Centre for Pensions, Employment Contracts Act; cross-checked with the Finnish Taxpayers’ Association 2026 tables.":"公式情報源：フィンランド税務庁（vero.fi）、政府案HE 98/2025（2026年の税率表と控除）、Kela（国民年金、児童手当、失業手当）、フィンランド年金センター、雇用契約法。フィンランド納税者協会の2026年の表と照合。","Taxes and contributions on €40,000 (municipal 7.57%, church member)":"€40,000に対する税金と保険料（市町村7.57%、教会員）","Taxes and contributions on €50,000":"€50,000に対する税金と保険料","Taxes and contributions on €60,000":"€60,000に対する税金と保険料","Taxes and contributions on €100,000":"€100,000に対する税金と保険料","State tax on taxable income of €40,100":"課税所得€40,100に対する国税","Full guarantee pension (per month)":"保証年金満額（月額）","Employer notice after 12 years":"12年後の雇用主の予告","Child benefit, 2 children (per month)":"児童手当、子ども2人（月額）","From about €35,000 a year take-home pay matches the Finnish Taxpayers’ Association figures within a few euros; below that, taxes can come out up to 1% of pay too high.":"年約€35,000からは手取りがフィンランド納税者協会の数値と数ユーロ以内で一致します。それ未満では税金が給与の最大1%高く出る場合があります。","Only the tax rates and allowances are checked one by one; take-home pay has not been tested against an official calculator end to end.":"税率と控除は1つずつ検証していますが、手取りは公式の計算機と全体を通して検証していません。","Only the full folkepension amount is checked; ATP is a rough estimate and labour-market pensions, the main source of income in retirement, are not included.":"検証しているのはfolkepensionの満額のみです。ATPは大まかな推計で、退職後の主な収入源である労働市場年金は含まれません。","The life-expectancy divisors by claim age are approximate and pension tax uses a simplified allowance from 66; use your statement at minpension.se for exact figures.":"請求年齢別の平均余命除数は概算で、年金の税金は66歳からの簡略化した控除を使います。正確な数値はminpension.seの明細をご利用ください。","Only the guarantee pension is checked; the life-expectancy divisors are approximate, and the pension income tax credit and AFP are not included.":"検証しているのは保証年金のみです。平均余命除数は概算で、年金所得の税額控除とAFPは含まれません。","Only the guarantee pension is checked; the life-expectancy coefficient is approximate and the pension income deduction is not modelled, so net pension is an estimate.":"検証しているのは保証年金のみです。平均余命係数は概算で、年金所得控除はモデル化していないため、手取り年金は推計です。","The earnings-related unemployment allowance is estimated with a simplified daily wage; the official amount depends on your exact earnings history.":"所得比例の失業手当は簡略化した日額賃金で推計しています。公式の金額は正確な所得履歴によって決まります。","The new 2025 unemployment rules (income-based qualification) are simplified to 80% for 100 days and 70% after.":"2025年の新しい失業規則（所得に基づく受給資格）は、100日間80%、その後70%に簡略化しています。","Enter past and current pay in today’s money. “Raise above inflation” is only the extra real growth you expect on top of price rises (0 = your pay just keeps up with inflation); it matters because the pension is based on your whole career’s pay.":"過去と現在の給与を現在の貨幣価値で入力してください。「インフレを上回る昇給率」は物価上昇に上乗せして見込む実質的な伸びだけです（0 = 給与がインフレにちょうど追いつく）。年金はキャリア全体の給与に基づくため重要です。","Disclaimer:":"免責事項：","These calculations are indicative and based on the tax, social-security, pension and labour rules in force. Actual amounts may differ. Consult the official authority or a qualified tax or pension adviser for personalised advice.":"これらの計算は目安であり、現行の税金、社会保険、年金、労働に関する規則に基づいています。実際の金額は異なる場合があります。個別のアドバイスについては、公的機関または資格のある税務・年金の専門家にご相談ください。","Meal card / month (benefit)":"食事カード / 月（福利厚生）","Company car, value / month":"社用車、価値 / 月","Fuel allowance / month":"燃料手当 / 月","Relocation bonus (one-off)":"転居ボーナス（一時金）","Tax incentive / year (net saving)":"税制優遇 / 年（純節約額）","Benefits are counted at the yearly value you enter. Company car: use what it saves you (a similar private lease plus insurance and maintenance, often 300–700 a month). Relocation bonus counts in the first year. Tax incentive: e.g. a new-resident regime (see the Salary tab). Benefits in kind may be partly taxable, which is not modelled here.":"福利厚生は入力した年間価値で計上されます。社用車：節約できる額を使ってください（同等の個人リースに保険とメンテナンスを加えた額で、多くは月300〜700）。転居ボーナスは1年目に計上されます。税制優遇：例えば新規居住者制度（「給与」タブを参照）。現物給付は一部課税される場合がありますが、ここではモデル化していません。","Meal card (benefit, × 12)":"食事カード（福利厚生、× 12）","Net pay + meal card / year":"手取り + 食事カード / 年","Treated as tax-free; most countries exempt meal cards only up to a daily limit, and above it the excess is taxed as pay.":"非課税として扱います。ほとんどの国では食事カードの免税は1日の上限までで、それを超える分は給与として課税されます。","Age ":"年齢 ","Simulated new amount (optional)":"試算用の新しい金額（任意）","incl. bonus {b} and meal card {m} a month":"月額の賞与 {b} と食事カード {m} を含む","First enter what you spend today in each category. To test a change, type in “Simulated new amount” what you would spend instead, lower or higher; leave it empty to keep today’s amount. The table below then shows the difference from today for each category (a saving, or an extra cost if higher), what it adds up to over the years and how it moves the age at which you could stop working.":"まず各項目の現在の支出を入力してください。変更を試すには「試算用の新しい金額」に代わりに使う額（少なくても多くても可）を入力します。空欄なら現在の金額のままです。下の表には、各項目の現在との差（節約、または多ければ追加費用）、それが年月とともにいくらになるか、働くのをやめられる年齢がどう変わるかが表示されます。","Difference from today / month":"現在との差 / 月","Tax-free":"非課税","Starting amount":"初期金額","Monthly contribution":"毎月の積立額","Yearly increase of contributions (%)":"積立額の年間増加率（%）","Annual interest rate (%)":"年利（%）","Years":"年数","Compounding":"複利計算","Yearly":"毎年","Quarterly":"四半期ごと","Daily":"毎日","Contributions at the":"積立のタイミング","Start of each month":"毎月初め","End of each month":"毎月末","Tax on gains when you withdraw (%)":"引き出し時の利益への税（%）","See how a starting amount and regular savings grow when the interest itself earns interest. Amounts in the currency of the selected country; change the country at the top.":"利息自体が利息を生むことで、初期金額と定期的な積立がどう増えるかを確認できます。金額は選択した国の通貨です。国は上部で変更できます。","from {p} paid in · interest earned {g}":"払込額 {p} から · 得た利息 {g}","tax on gains {t}":"利益への税 {t}","starting amount + contributions":"初期金額 + 積立額","Interest earned":"得た利息","of the final balance":"最終残高のうち","In today’s money":"現在の貨幣価値","after {i} inflation a year":"年 {i} のインフレ調整後","Money doubles in":"お金が2倍になるまで","years at this rate (rule of 72)":"年（この利率で、72の法則）","Paid in":"払込額","Interest":"利息","Year ":"年 ","Paid in this year":"今年の払込額","Interest this year":"今年の利息","How it works: each month interest is added at the rate you entered, converted to your compounding frequency (effective yearly rate {e}), and your contribution is added at the start or end of the month; contributions rise each year by the increase you enter. Tax on gains is taken once at the end. Fees are not included. This is an illustration, not financial advice: real returns vary and are not guaranteed.":"仕組み：毎月、入力した利率を複利計算の頻度に換算した利息（実効年利 {e}）が加わり、積立額は月初または月末に加えられます。積立額は入力した増加率で毎年増えます。利益への税は最後に一度だけ差し引かれます。手数料は含まれません。これは例示であり、金融アドバイスではありません。実際の利回りは変動し、保証されません。","Compound interest":"複利","Your savings plan":"あなたの貯蓄プラン","Growth year by year":"年ごとの増加","Share":"共有","Share this scenario":"このシナリオを共有","Send the link or the scenario code to someone. They open the link, or paste the code below and press Load, and see exactly your inputs. Nothing is uploaded: the scenario is stored inside the link and the code.":"リンクまたはシナリオコードを送ってください。相手がリンクを開くか、下にコードを貼り付けて「読み込む」を押すと、あなたの入力がそのまま表示されます。何もアップロードされません：シナリオはリンクとコードの中に保存されています。","Link":"リンク","Scenario code":"シナリオコード","Copy":"コピー","Share…":"共有…","Open a shared scenario":"共有されたシナリオを開く","Paste a scenario code or link here":"シナリオコードまたはリンクをここに貼り付け","Load":"読み込む","Close":"閉じる","Copied to clipboard":"クリップボードにコピーしました","This code could not be read.":"このコードを読み取れませんでした。","Shared scenario loaded":"共有されたシナリオを読み込みました","My scenario in PayAbacus (open the link, or paste the code in Share → Open a shared scenario):":"PayAbacusでの私のシナリオ（リンクを開くか、「共有」→「共有されたシナリオを開く」にコードを貼り付けてください）：","Amounts in {c}.":"金額：{c}。","Tip: click a line, bar or legend entry to highlight that country in orange; click it again to go back.":"ヒント：線、棒、凡例の項目をクリックすると、その国がオレンジ色で強調表示されます。もう一度クリックすると元に戻ります。","How to read purchasing power":"購買力の見方","Purchasing power is not the salary converted at the exchange rate. It is measured in purchasing-power (PPP) dollars: one PPP dollar buys the same basket of goods and services in every country as one dollar buys in the United States. This removes the differences in prices between countries, so a higher number really buys more.":"購買力は為替レートで換算した給与ではありません。購買力平価（PPP）ドルで測ります：1 PPPドルは、どの国でも米国で1ドルで買えるのと同じ商品とサービスのバスケットを買えます。これにより国ごとの物価の差が取り除かれるため、数値が高いほど実際に多く買えます。","Example, {c} {y}: the average salary is <b>{n}</b> a year as paid. At the exchange rate that is about {x}, but prices in {c} are lower than in the US (about {r} buys what $1 buys there), so the salary buys what <b>{p}</b> would buy in the US.":"例、{c} {y}年：平均給与は支払額で年 <b>{n}</b> です。為替レートでは約 {x} ですが、{c}の物価は米国より安い（米国で$1で買えるものが約 {r} で買える）ため、この給与で米国の <b>{p}</b> 分のものが買えます。","Example, {c} {y}: the average salary is <b>{n}</b> a year as paid. At the exchange rate that is about {x}, but prices in {c} are higher than in the US (about {r} buys what $1 buys there), so the salary buys only what <b>{p}</b> would buy in the US.":"例、{c} {y}年：平均給与は支払額で年 <b>{n}</b> です。為替レートでは約 {x} ですが、{c}の物価は米国より高い（米国で$1で買えるものに約 {r} かかる）ため、この給与では米国の <b>{p}</b> 分のものしか買えません。","To compare countries, use the purchasing-power column: the as-paid amounts are in different currencies and ignore how expensive each country is.":"国を比較するには購買力の列を使ってください：支払額は異なる通貨で、各国の物価の高さを考慮していません。","At the exchange rate {y} (USD)":"{y}年の為替レートで（USD）","Exchange-rate dollars use the ECB yearly average reference rates (US dollars and pounds per euro).":"為替レートのドルはECBの年平均参照レート（ユーロあたりの米ドルとポンド）を使います。","Simulated new amount / month":"試算用の新しい金額 / 月","Spending / month (simulated)":"支出 / 月（試算）","with your simulated amounts · today {v}":"試算した金額で · 現在 {v}","Saved / month (simulated)":"貯蓄 / 月（試算）","{p} of your net income · today {v}":"手取り収入の {p} · 現在 {v}","Today (current spend) / month":"現在（現在の支出）/ 月","Today (current spend)":"現在（現在の支出）","with your simulated amounts (today’s amount where none is typed), keeping enough money until age {p}":"試算した金額で（入力のない項目は現在の金額）、{p} 歳まで十分なお金を残す場合","With today’s spending":"現在の支出で","earliest stop age without your simulated changes":"試算した変更なしでの最も早い退職年齢","Earliest stop, simulated spending":"最も早い退職、試算した支出","Earliest stop, today’s spending":"最も早い退職、現在の支出","Simulated spending (stop at {a})":"試算した支出（{a} 歳でやめる）","Today’s spending (stop at {a})":"現在の支出（{a} 歳でやめる）","Investment account (optional)":"投資口座（任意）","What if part of what you save each year goes into an investment account? The rest stays in savings at the savings return above. You choose the return: it is an assumption, not a forecast. Investments can lose value, returns are not guaranteed and past performance does not predict future results. Tax on investment gains is not included. When money is needed, savings are used first, then the investment account.":"毎年貯蓄する額の一部を投資口座に回したらどうなるでしょうか。残りは上記の貯蓄利回りで貯蓄に残ります。利回りはあなたが選びます：それは想定であり予測ではありません。投資は価値が下がることがあり、利回りは保証されず、過去の実績は将来の結果を示すものではありません。投資利益への税は含まれません。お金が必要になったときは、まず貯蓄を、次に投資口座を使います。","Investment account now":"現在の投資口座","Share of savings invested (%)":"投資に回す貯蓄の割合（%）","Expected investment return (% / year)":"期待投資利回り（% / 年）","Yearly fees (% of the account)":"年間手数料（口座残高の %）","Enter the expected investment return to see the effect; until then it counts as 0%.":"効果を見るには期待投資利回りを入力してください。それまでは0%として計算されます。","Investment account at {a}":"{a} 歳時点の投資口座","{r} in today’s money":"現在の貨幣価値で {r}","paid in {p} · growth {g}":"払込額 {p} · 増加 {g}","Without investing (all kept in savings): {s}":"投資しない場合（すべて貯蓄）：{s}","of which investment account":"うち投資口座","“Money left at {p}” is in future money, which includes inflation; the amount in brackets is the same money in today’s prices. “If you stop working today” counts all your money: savings and, if you have one, the investment account.":"「{p} 歳時点の残金」はインフレを含む将来の貨幣価値で、括弧内の金額は同じお金を現在の物価で表したものです。「今日働くのをやめた場合」はすべてのお金を数えます：貯蓄と、あれば投資口座です。","How the investment account is calculated: each year {s} of what you save goes into it and it earns {r} a year minus fees; the rest stays in savings. When you need money, savings are used first and the investment account after. Once the account earns more each year than you spend, it keeps growing on its own: from then on a small change, such as working one more year, can move the stop age a lot, and the money left at the end can become very large.":"投資口座の計算方法：毎年、貯蓄額の {s} が投資口座に入り、年 {r} から手数料を引いた利回りを得ます。残りは貯蓄に残ります。お金が必要なときは、まず貯蓄を、その後に投資口座を使います。口座が毎年の支出より多く稼ぐようになると、自力で増え続けます：それ以降は、もう1年働くといった小さな変化で退職年齢が大きく変わり、最後に残るお金が非常に大きくなることがあります。","You entered a return of {r} a year. A return this high, year after year for decades, is rare and never guaranteed, and it makes the results look much better. Try a few lower values to see how much the stop age depends on it.":"年 {r} の利回りを入力しました。これほど高い利回りが何十年も毎年続くことはまれで、決して保証されず、結果を大幅に良く見せます。いくつか低い値を試して、退職年齢がどれだけ利回りに左右されるかを確認してください。","How to read this chart: each line is your total money (savings plus the investment account, if any) at the end of each year, for a different stop age. It rises while you work and save, falls after you stop because your spending is paid from savings, and falls more slowly or rises again once the state pension starts. A line that drops below zero means the money runs out at that age. Amounts are in future money; choose “Today’s money” under “Show amounts in” to remove inflation.":"このグラフの見方：各線は、異なる退職年齢ごとの、各年末のあなたのお金の合計（貯蓄に、あれば投資口座を加えた額）です。働いて貯蓄している間は上がり、やめると支出を貯蓄から払うため下がり、公的年金が始まると下がり方が緩やかになるか再び上がります。線がゼロを下回ると、その年齢でお金が尽きることを意味します。金額は将来の貨幣価値です。インフレを除くには「金額の表示」で「現在の貨幣価値」を選んでください。","The dotted line is the part held in the investment account.":"点線は投資口座に保有している部分です。","Watch the video guide":"動画ガイドを見る","about 2 minutes, in English, with voice and captions":"約2分、英語、音声と字幕付き","≈ {m} a month ({y} a year) of what you save now":"≈ 現在の貯蓄額のうち月 {m}（年 {y}）","You are not saving anything now, so nothing goes in yet.":"現在何も貯蓄していないため、まだ何も入りません。","Your savings and investment account cover {m} months of spending (aim for 3–6).":"貯蓄と投資口座で支出の {m} か月分をまかなえます（目標3〜6か月）。","Video guide:":"動画ガイド：","short, in English, with voice and captions":"短い、英語、音声と字幕付き","How it works":"仕組み","Guides":"ガイド","New here? This tab has a {m}-minute video guide.":"初めてですか？このタブには {m} 分の動画ガイドがあります。","Watch the guide":"ガイドを見る","More":"詳しく","Save or share":"保存または共有","Save or share this scenario":"このシナリオを保存または共有","To keep this scenario for later, bookmark the link or save the code: it works on any device and browser.":"このシナリオを後で使うには、リンクをブックマークするかコードを保存してください。どのデバイスやブラウザでも使えます。","Less":"折りたたむ","Checked against official sources · {n} checks":"公式情報源と照合済み · {n} 件の検証","Free calculators for pay, pensions and financial planning, checked against official sources.":"給与、年金、資金計画のための無料計算ツール。公式情報源と照合済み。","Calculators":"計算ツール","About":"概要","How we calculate":"計算方法","Accuracy checks":"正確性の検証","Legal":"法的情報","Privacy":"プライバシー","Legal notice":"法的通知","Contact":"お問い合わせ","Every calculator applies the tax, social-security, pension and labour rules in force in each country, taken from official sources: tax authorities, social-security institutions, statistics offices and the law. Each country’s rules and sources are listed at the bottom of its tabs.||Results are checked against official calculators and worked examples; see Accuracy checks. Amounts are estimates for typical cases, and special situations may differ.":"すべての計算ツールは、税務当局、社会保険機関、統計局、法令といった公式情報源から得た、各国で施行中の税金、社会保険、年金、労働に関する規則を適用します。各国の規則と情報源は、その国のタブの下部に記載しています。||結果は公式の計算機や計算例と照合しています。「正確性の検証」をご覧ください。金額は典型的なケースの推計であり、特殊な状況では異なる場合があります。","PayAbacus has no accounts and does not send what you type anywhere: all calculations run in your browser.||Your last inputs, language and theme are remembered only in this browser, so you find them next time; clearing your browser data removes them. A shared link or code contains the scenario itself and is seen only by the people you send it to.||Fonts and the chart library load from public content networks, which see your IP address like any website.":"PayAbacusにはアカウントがなく、入力した内容をどこにも送信しません：すべての計算はブラウザ内で行われます。||最後の入力、言語、テーマはこのブラウザにのみ記憶され、次回も使えます。ブラウザのデータを消去すると削除されます。共有リンクやコードにはシナリオそのものが含まれ、送った相手だけが見られます。||フォントとグラフのライブラリは公開コンテンツネットワークから読み込まれ、どのウェブサイトとも同様にIPアドレスが相手に見えます。","The legal notice with the site owner’s details will be published here before the public launch.":"サイト所有者の情報を記載した法的通知は、一般公開前にここに掲載されます。","Contact details will be published here before the public launch.":"連絡先は一般公開前にここに掲載されます。","Showing {c}, based on your browser settings. You can change the country and language at the top.":"ブラウザの設定に基づき{c}を表示しています。国と言語は上部で変更できます。","Average salary in {y}, in purchasing power ({c} = 100)":"{y}年の平均給与、購買力（{c} = 100）","Index, {c} = 100":"指数、{c} = 100","Home price":"住宅価格","Down payment":"頭金","Down payment (% of price)":"頭金（価格の %）","Interest rate (% / year)":"金利（% / 年）","Term (years)":"期間（年）","Repayment":"返済方式","Equal monthly payments (annuity)":"元利均等返済","Equal capital each month (linear)":"元金均等返済","Extra repayment / month":"追加返済 / 月","Other housing costs / month":"その他の住居費 / 月","Net household income / month":"世帯の手取り収入 / 月","See the monthly payment and the total cost of a home loan, and whether it fits your income. Amounts in the currency of the selected country.":"住宅ローンの月々の返済額と総費用、そして収入に見合うかを確認できます。金額は選択した国の通貨です。","{y} years":"{y} 年","{y} years 1 month":"{y} 年1か月","{y} years {m} months":"{y} 年{m} か月","Monthly payment":"月々の返済額","first month; it falls every month as the balance shrinks · loan {l}":"初月。残高の減少に伴い毎月下がります · 借入額 {l}","over {y} years at {r} · loan {l}":"{y} 年、金利 {r} · 借入額 {l}","Loan amount":"借入額","{p} of the price (loan-to-value)":"価格の {p}（借入比率）","Total interest":"利息の合計","total paid {t}":"支払総額 {t}","Share of net income":"手取り収入に対する割合","payment + other costs + extra":"返済額 + その他の費用 + 追加返済","Paid off in":"完済まで","{t} sooner, {i} less interest":"{t} 早く、利息 {i} 少なく","add an extra repayment to see the saving":"追加返済を加えると節約額がわかります","Enter your net income to check affordability.":"手取り収入を入力すると、返済可能性を確認できます。","Housing costs take {p} of your net income: comfortable. A common rule of thumb is to keep them below about a third.":"住居費が手取り収入の {p} を占めています：余裕があります。一般的な目安は約3分の1未満に抑えることです。","Housing costs take {p} of your net income: manageable but tight. Leave room for savings and unexpected costs.":"住居費が手取り収入の {p} を占めています：何とかなりますが、ぎりぎりです。貯蓄と予期しない出費の余地を残してください。","Housing costs take {p} of your net income: high. Lenders may lend less, and a rate rise would hurt. A bigger down payment, a longer term or a cheaper home would lower it.":"住居費が手取り収入の {p} を占めています：高めです。金融機関の融資額が減る可能性があり、金利が上がると負担になります。頭金を増やす、期間を延ばす、より安い住宅にすることで下げられます。","Stress test: if the rate rose by 2 points (to {r}), the payment would be {v}, {d} more a month.":"ストレステスト：金利が2ポイント上がると（{r}に）、返済額は {v} になり、月 {d} 増えます。","Capital":"元金","Extra repayment":"追加返済","Year {y}":"{y}年目","Without the extra repayment":"追加返済なし","How it works: interest is charged every month on the remaining balance at the rate you enter. With equal monthly payments the payment stays the same and the capital part grows; with equal capital the payment starts higher and falls. Extra repayments go straight to the capital. The rate is your assumption, not an offer: compare real offers. Not yet included for {c}: tax relief on mortgage interest, purchase costs such as transfer tax and notary fees, and official lending limits.":"仕組み：入力した金利で毎月、残高に利息がかかります。元利均等返済では返済額は一定で元金部分が増えていき、元金均等返済では返済額が最初は高く、徐々に下がります。追加返済は直接元金に充てられます。金利はあなたの想定であり、提案ではありません。実際の提案を比較してください。{c}についてまだ含まれていないもの：住宅ローン利息の税控除、移転税や公証人手数料などの購入費用、公的な融資制限。","Mortgage":"住宅ローン","Your home and loan":"住宅とローン","Can you afford it?":"返済できますか？","What you pay each year":"毎年の支払額","Balance over the years":"残高の推移","Use this cost in the Financial planner":"この費用をファイナンシャルプランナーで使う","{v} a month is now your housing cost in the Financial planner.":"月 {v} がファイナンシャルプランナーの住居費になりました。","You and your pension history":"あなたと年金の加入歴","Savings and bank account":"貯蓄と銀行口座","Assumptions":"前提条件","Display and tests":"表示とテスト","Mortgage (optional)":"住宅ローン（任意）","Enter what you still owe on your home loan. Its monthly payment counts in your spending and financial health until it is paid off; the payment stays fixed and is not raised with inflation. If you enter it here, keep only other housing costs (building fees, insurance) under Housing in the expenses.":"住宅ローンの残債を入力してください。月々の返済額は完済まで支出と家計の健全性に計上されます。返済額は固定で、インフレでは上がりません。ここに入力した場合は、支出の「住居」にはその他の住居費（管理費、保険）だけを入れてください。","Mortgage still owed":"住宅ローンの残債","Mortgage rate (% / year)":"住宅ローン金利（% / 年）","Years left":"残りの年数","Copy from the Mortgage tab":"「住宅ローン」タブからコピー","incl. mortgage {v} a month until age {a}":"{a} 歳まで住宅ローン月 {v} を含む","Your mortgage ({v} a month) is now in the Financial planner.":"住宅ローン（月 {v}）がファイナンシャルプランナーに入りました。","Housing: other costs only (mortgage entered above)":"住居：その他の費用のみ（住宅ローンは上で入力済み）","This looks like your mortgage payment ({v} a month). The mortgage is already counted from the section above, so enter only other housing costs here (building fees, insurance, property tax), or it is counted twice.":"これは住宅ローンの返済額（月 {v}）のようです。住宅ローンは上のセクションですでに計上されているため、ここにはその他の住居費（管理費、保険、固定資産税）だけを入力してください。そうしないと二重に計上されます。","As in the Salary tab ({n})":"「給与」タブと同じ（{n}）","Mortgage payment (from the Mortgage section)":"住宅ローンの返済額（「住宅ローン」セクションから）","{v} a month, fixed, until age {a}":"月 {v}、固定、{a} 歳まで","Change it in the Mortgage section":"「住宅ローン」セクションで変更","Mortgage payment":"住宅ローンの返済額","Fixed until age {a}":"{a} 歳まで固定","{n} checks for this tab against official sources":"このタブの公式情報源との検証 {n} 件","1 check for this tab against official sources":"このタブの公式情報源との検証 1件","{n} of the {t} checks for {c} cover this tab ({a} checks across all countries). Click to see them.":"{c}の検証 {t} 件のうち {n} 件がこのタブを対象としています（全国で {a} 件）。クリックすると表示されます。","Housing (other costs)":"住居（その他の費用）","Quick start":"クイックスタート","These three are enough for a first result. Open the sections below to fine-tune it.":"最初の結果にはこの3つで十分です。下のセクションを開いて微調整してください。","Spending / month (all expenses)":"支出 / 月（すべての支出）","A new total is spread over the expense categories below in the same proportions.":"新しい合計額は、下の支出項目に同じ割合で配分されます。","Income details":"収入の詳細","Plus the mortgage payment of {v} from the Mortgage section: {t} a month in total.":"加えて「住宅ローン」セクションの住宅ローン返済額 {v}：合計で月 {t}。","{g} gross · {n} salaries a year":"総支給 {g} · 年 {n} 回の給与","bonus {b}":"賞与 {b}","meal card {m}":"食事カード {m}","Age {a} · {y} years insured · plan to age {p}":"{a} 歳 · 加入 {y} 年 · {p} 歳まで計画","{v} invested · {p} of savings · {r} a year":"投資 {v} · 貯蓄の {p} · 年 {r}","Not used":"使用しない","Savings return {r} · inflation {i} · pay rise {g}":"貯蓄利回り {r} · インフレ {i} · 昇給 {g}","{s} · comparison over {n} years":"{s} · {n} 年間の比較","Total {v} a month":"合計 月 {v}","simulated {v}":"試算 {v}","Video guide for this tab · {m} min":"このタブの動画ガイド · {m} 分","See the result below":"下の結果を見る","Back to the result":"結果に戻る","Skip to the calculator":"計算ツールへ移動","Show":"表示","Hide":"非表示","Including the bonus: {g} gross / month · {n} net / month (year ÷ 12)":"賞与込み：月額総支給 {g} · 月額手取り {n}（年額 ÷ 12）","A new total is split for you: essentials follow the official typical costs for your country and household, children get 6% each, and the rest goes to leisure, holidays and other. Loans and a rent you typed stay as entered; adjust any category below.":"新しい合計額は自動で配分されます：必需品はあなたの国と世帯の公式の典型的な費用に従い、子どもには1人6%、残りはレジャー、休暇旅行、その他に回ります。ローンと入力した家賃はそのままです。下の任意の項目を調整してください。","Past years’ rules":"過去の年の規則","2008 rules: income tax + employee contributions at the average wage (€41,000)":"2008年の規則：平均賃金（€41,000）での所得税 + 従業員の保険料","2015 rules: income tax + employee contributions at the average wage (€47,100)":"2015年の規則：平均賃金（€47,100）での所得税 + 従業員の保険料","2021 rules: income tax + employee contributions at the average wage (€52,800)":"2021年の規則：平均賃金（€52,800）での所得税 + 従業員の保険料","2012 rules: income tax + employee contributions at the average wage (€29,440)":"2012年の規則：平均賃金（€29,440）での所得税 + 従業員の保険料","2016 rules: income tax + employee contributions at the average wage (€30,619)":"2016年の規則：平均賃金（€30,619）での所得税 + 従業員の保険料","2021 rules: income tax + employee contributions at the average wage (€33,111)":"2021年の規則：平均賃金（€33,111）での所得税 + 従業員の保険料","2008 rules: income tax + employee contributions at the average wage (€23,252)":"2008年の規則：平均賃金（€23,252）での所得税 + 従業員の保険料","2016 rules: income tax + employee contributions at the average wage (€26,449)":"2016年の規則：平均賃金（€26,449）での所得税 + 従業員の保険料","2022 rules: income tax + employee contributions at the average wage (€28,780)":"2022年の規則：平均賃金（€28,780）での所得税 + 従業員の保険料","2008 rules: income tax + employee contributions at the average wage (£33,382)":"2008年の規則：平均賃金（£33,382）での所得税 + 従業員の保険料","2015 rules: income tax + employee contributions at the average wage (£35,978)":"2015年の規則：平均賃金（£35,978）での所得税 + 従業員の保険料","2022 rules: income tax + employee contributions at the average wage (£45,077)":"2022年の規則：平均賃金（£45,077）での所得税 + 従業員の保険料","2008 rules: income tax + employee contributions at the average wage (€33,580)":"2008年の規則：平均賃金（€33,580）での所得税 + 従業員の保険料","2015 rules: income tax + employee contributions at the average wage (€37,975)":"2015年の規則：平均賃金（€37,975）での所得税 + 従業員の保険料","2022 rules: income tax + employee contributions at the average wage (€41,867)":"2022年の規則：平均賃金（€41,867）での所得税 + 従業員の保険料","Your salary across 20 years of {c} tax rules":"{c}の20年分の税制であなたの給与を見る","Your {y} salary run through the income tax and social security rules of every year since 2006, for a single person without children and with standard deductions.":"{y}年の給与を2006年以降の毎年の所得税と社会保険の規則で計算します。子どものいない単身者、標準控除の場合です。","Same amount":"同じ金額","{y} money (inflation-adjusted)":"{y}年の貨幣価値（インフレ調整）","Each year’s money":"各年の貨幣価値","per month, in {y} money":"月額、{y}年の貨幣価値","{a} in 2006 buys what {v} buys in {y}":"2006年の {a} は {y} 年の {v} と同じものが買えます","Employee contributions":"従業員の保険料","Taxes":"税金","Yearly pay split, in {y} money":"年収の内訳、{y}年の貨幣価値","Yearly pay split, in each year’s money":"年収の内訳、各年の貨幣価値","Net / mo (÷ 12)":"月額手取り（÷ 12）","Net / mo in {y} money":"月額手取り、{y}年の貨幣価値","Each year uses that year’s published income tax and social security schedules; the results are cross-checked against OECD Taxing Wages for the average worker. Prices: national consumer price index.":"各年はその年に公表された所得税と社会保険の表を使います。結果は平均的な労働者についてOECD Taxing Wagesと照合しています。物価：全国消費者物価指数。","Church tax is not included; contributions use the Western Germany ceilings.":"教会税は含まれません。保険料は旧西ドイツの上限を使います。","Regional and municipal surcharges use the rates set in the form above for every year.":"州と市町村の付加税は、毎年について上のフォームで設定した税率を使います。","CSG and CRDS are counted as taxes, as in the OECD figures; contributions are for a non-executive employee, without the company health plan (mutuelle).":"CSGとCRDSはOECDの数値と同様に税金として数えます。保険料は企業健康保険（mutuelle）なしの非管理職の場合です。","UK tax years start in April (2006/07 to 2026/27). Rates for England, Wales and Northern Ireland.":"英国の課税年度は4月に始まります（2006/07〜2026/27）。イングランド、ウェールズ、北アイルランドの税率です。","2008 rules: income tax + employee contributions at the average wage (€43,146)":"2008年の規則：平均賃金（€43,146）での所得税 + 従業員の保険料","2015 rules: income tax + employee contributions at the average wage (€49,540)":"2015年の規則：平均賃金（€49,540）での所得税 + 従業員の保険料","2022 rules: income tax + employee contributions at the average wage (€58,890)":"2022年の規則：平均賃金（€58,890）での所得税 + 従業員の保険料","2008 rules: income tax + employee contributions at the average wage (€40,698)":"2008年の規則：平均賃金（€40,698）での所得税 + 従業員の保険料","2015 rules: income tax + employee contributions at the average wage (€46,479)":"2015年の規則：平均賃金（€46,479）での所得税 + 従業員の保険料","2022 rules: income tax + employee contributions at the average wage (€55,038)":"2022年の規則：平均賃金（€55,038）での所得税 + 従業員の保険料","2008 rules: income tax + employee contributions at the average wage (€47,043)":"2008年の規則：平均賃金（€47,043）での所得税 + 従業員の保険料","2015 rules: income tax + employee contributions at the average wage (€55,858)":"2015年の規則：平均賃金（€55,858）での所得税 + 従業員の保険料","2022 rules: income tax + employee contributions at the average wage (€68,578)":"2022年の規則：平均賃金（€68,578）での所得税 + 従業員の保険料","2008 rules: income tax + employee contributions at the average wage (€37,258)":"2008年の規則：平均賃金（€37,258）での所得税 + 従業員の保険料","2015 rules: income tax + employee contributions at the average wage (€43,911)":"2015年の規則：平均賃金（€43,911）での所得税 + 従業員の保険料","2022 rules: income tax + employee contributions at the average wage (€53,126)":"2022年の規則：平均賃金（€53,126）での所得税 + 従業員の保険料","2008 rules: income tax + employee contributions at the average wage (€14,905)":"2008年の規則：平均賃金（€14,905）での所得税 + 従業員の保険料","2015 rules: income tax + employee contributions at the average wage (€15,781)":"2015年の規則：平均賃金（€15,781）での所得税 + 従業員の保険料","2022 rules: income tax + employee contributions at the average wage (€19,739)":"2022年の規則：平均賃金（€19,739）での所得税 + 従業員の保険料","2008 rules: income tax + employee contributions at the average wage (€42,783)":"2008年の規則：平均賃金（€42,783）での所得税 + 従業員の保険料","2015 rules: income tax + employee contributions at the average wage (€43,733)":"2015年の規則：平均賃金（€43,733）での所得税 + 従業員の保険料","2022 rules: income tax + employee contributions at the average wage (€52,014)":"2022年の規則：平均賃金（€52,014）での所得税 + 従業員の保険料","2008 rules: income tax + employee contributions at the average wage (DKK 359,300)":"2008年の規則：平均賃金（DKK 359,300）での所得税 + 従業員の保険料","2015 rules: income tax + employee contributions at the average wage (DKK 403,600)":"2015年の規則：平均賃金（DKK 403,600）での所得税 + 従業員の保険料","2022 rules: income tax + employee contributions at the average wage (DKK 469,400)":"2022年の規則：平均賃金（DKK 469,400）での所得税 + 従業員の保険料","2008 rules: income tax + employee contributions at the average wage (SEK 352,470)":"2008年の規則：平均賃金（SEK 352,470）での所得税 + 従業員の保険料","2015 rules: income tax + employee contributions at the average wage (SEK 414,105)":"2015年の規則：平均賃金（SEK 414,105）での所得税 + 従業員の保険料","2022 rules: income tax + employee contributions at the average wage (SEK 493,770)":"2022年の規則：平均賃金（SEK 493,770）での所得税 + 従業員の保険料","2008 rules: income tax + employee contributions at the average wage (NOK 443,613)":"2008年の規則：平均賃金（NOK 443,613）での所得税 + 従業員の保険料","2015 rules: income tax + employee contributions at the average wage (NOK 556,670)":"2015年の規則：平均賃金（NOK 556,670）での所得税 + 従業員の保険料","2022 rules: income tax + employee contributions at the average wage (NOK 689,301)":"2022年の規則：平均賃金（NOK 689,301）での所得税 + 従業員の保険料","2008 rules: income tax + employee contributions at the average wage (€37,372)":"2008年の規則：平均賃金（€37,372）での所得税 + 従業員の保険料","2015 rules: income tax + employee contributions at the average wage (€43,268)":"2015年の規則：平均賃金（€43,268）での所得税 + 従業員の保険料","2022 rules: income tax + employee contributions at the average wage (€50,830)":"2022年の規則：平均賃金（€50,830）での所得税 + 従業員の保険料","2010 rules: income tax + employee contributions at the average wage (€17,947)":"2010年の規則：平均賃金（€17,947）での所得税 + 従業員の保険料","2016 rules: income tax + employee contributions at the average wage (€21,848)":"2016年の規則：平均賃金（€21,848）での所得税 + 従業員の保険料","2023 rules: income tax + employee contributions at the average wage (€27,351)":"2023年の規則：平均賃金（€27,351）での所得税 + 従業員の保険料","2014 rules: income tax + employee contributions at the average wage (€20,712)":"2014年の規則：平均賃金（€20,712）での所得税 + 従業員の保険料","2018 rules: income tax + employee contributions at the average wage (€21,864)":"2018年の規則：平均賃金（€21,864）での所得税 + 従業員の保険料","2023 rules: income tax + employee contributions at the average wage (€27,480)":"2023年の規則：平均賃金（€27,480）での所得税 + 従業員の保険料","Each year uses that year’s published income tax and social security schedules; the results are cross-checked against OECD Taxing Wages (Eurostat for Malta and Cyprus) for the average worker. Prices: national consumer price index.":"各年はその年に公表された所得税と社会保険の表を使います。結果は平均的な労働者についてOECD Taxing Wages（マルタとキプロスはEurostat）と照合しています。物価：全国消費者物価指数。","Pension-fund contributions use your setting above for every year; the 2026 row comes from the current calculator.":"年金基金の拠出は毎年について上の設定を使います。2026年の行は現在の計算ツールによります。","Municipal and regional surcharges at the average rates; the 2026 row comes from the current calculator.":"市町村と州の付加税は平均税率です。2026年の行は現在の計算ツールによります。","Tax class 1; the 2026 row comes from the current calculator.":"税クラス1。2026年の行は現在の計算ツールによります。","14 salaries a year, the 13th and 14th taxed at 6%; the 2026 row comes from the current calculator.":"年14回の給与、13・14か月目は6%で課税。2026年の行は現在の計算ツールによります。","Mainland Portugal, individual taxation; the 2026 row comes from the current calculator.":"ポルトガル本土、個別課税。2026年の行は現在の計算ツールによります。","PRSI class A; the 2026 row comes from the current calculator.":"PRSIクラスA。2026年の行は現在の計算ツールによります。","Single rates; Class 1 social security for people born from 1962; 2006–2007 bands converted from Maltese lira. The 2026 row comes from the current calculator.":"単身者の税率。1962年以降生まれのクラス1社会保障。2006〜2007年の区分はマルタ・リラから換算。2026年の行は現在の計算ツールによります。","Social insurance and, from 2019, the GESY health contribution; 2006–2007 bands converted from Cyprus pounds; the social insurance ceiling before 2014 is approximate. The 2026 row comes from the current calculator.":"社会保険と、2019年からはGESY健康保険料。2006〜2007年の区分はキプロス・ポンドから換算。2014年以前の社会保険の上限は概算です。2026年の行は現在の計算ツールによります。","Average municipal tax, no church tax; ATP is counted as a contribution. The 2026 row comes from the current calculator.":"平均市町村税、教会税なし。ATPは保険料として数えます。2026年の行は現在の計算ツールによります。","Average municipal tax; burial and church fees and the public-service fee are not included. The 2026 row comes from the current calculator.":"平均市町村税。埋葬費、教会費、公共放送費は含まれません。2026年の行は現在の計算ツールによります。","The 2026 row comes from the current calculator.":"2026年の行は現在の計算ツールによります。","Average municipal tax, no church tax; for pay below about half the average wage past years are less precise. The 2026 row comes from the current calculator.":"平均市町村税、教会税なし。平均賃金の約半分未満の給与では、過去の年の精度は低くなります。2026年の行は現在の計算ツールによります。","Home buying":"住宅購入","Stamp Duty Land Tax on £300,000 (not a first-time buyer)":"£300,000に対する印紙土地税（初回購入者以外）","Stamp Duty Land Tax on £450,000 (first-time buyer)":"£450,000に対する印紙土地税（初回購入者）","Stamp duty on €1,200,000":"€1,200,000に対する印紙税","Transfer duties on €300,000 (first home)":"€300,000に対する移転税（最初の住宅）","IMT on a €200,000 own permanent home (mainland)":"€200,000の自己の恒久的住宅に対するIMT（本土）","Deed registration fee on DKK 3,000,000":"DKK 3,000,000に対する登記手数料","Mortgage registration fee on a DKK 2,000,000 loan":"DKK 2,000,000のローンに対する抵当権登記手数料","Duties on a €700,000 main home after the Bëllegen Akt credit":"Bëllegen Akt控除後の€700,000の主たる住居に対する税","Transfer tax on €500,000, starter aged 30":"€500,000に対する移転税、30歳の初回購入者","Registration duty on €300,000 sole home in Brussels":"ブリュッセルの€300,000の唯一の住宅に対する登録税","Stamp duty on €280,000, first-time buyer":"€280,000に対する印紙税、初回購入者","Land transfer tax on €300,000 in Bavaria":"バイエルンの€300,000に対する不動産取得税","Interest tax reduction on SEK 120,000 of interest":"SEK 120,000の利息に対する利息税額軽減","Interest credit on €5,000 of interest (main home)":"€5,000の利息に対する利息控除（主たる住居）","tax, contributions, net pay, state and private pensions, termination, benefits, home buying":"税金、保険料、手取り、公的年金と私的年金、退職、給付、住宅購入","First home you buy (main home)":"初めて購入する住宅（主たる住居）","Region":"地域","Home type":"住宅の種類","Apartment":"マンション","House":"一戸建て","Cadastral value (valore catastale, optional)":"台帳価格（valore catastale、任意）","Rent or buy?":"賃貸か購入か","Rent for a similar home / month":"同等の住宅の家賃 / 月","Rent rise (% / year)":"家賃の上昇率（% / 年）","Home price rise (% / year)":"住宅価格の上昇率（% / 年）","Return on invested savings (% / year)":"投資した貯蓄の利回り（% / 年）","Upkeep and owner costs (% of value / year)":"維持費と所有者の費用（価値の % / 年）","Selling costs at the end (% of value)":"最後の売却費用（価値の %）","Compare over (years)":"比較期間（年）","Madrid (6%)":"マドリード（6%）","Catalonia (10%)":"カタルーニャ（10%）","Andalusia (7%)":"アンダルシア（7%）","Other regions (about 8–10%; 9% used)":"その他の地域（約8〜10%、9%を使用）","Flanders":"フランデレン","Wallonia":"ワロン","Brussels":"ブリュッセル","Transfer tax":"移転税","Notary and land registry (estimate)":"公証人と土地登記（推計）","Transfer tax 3% + 3% municipal surcharge (3.09%)":"移転税3% + 市町村付加税3%（3.09%）","Notary fee incl. VAT (estimate, about 1%)":"公証人手数料、VAT込み（推計、約1%）","Land registry / cadastre (estimate, about 0.5%)":"土地登記 / 地籍（推計、約0.5%）","Lawyer incl. VAT (estimate, about 1%)":"弁護士、VAT込み（推計、約1%）","Notary and land registry (estimate, about 2%)":"公証人と土地登記（推計、約2%）","Registration tax 2% of the cadastral value (first home, min €1,000) + €100 mortgage and cadastral tax":"登録税は台帳価格の2%（最初の住宅、最低€1,000）+ 抵当税・地籍税€100","Registration tax 9% of the cadastral value (min €1,000) + €100 mortgage and cadastral tax":"登録税は台帳価格の9%（最低€1,000）+ 抵当税・地籍税€100","Notary (estimate)":"公証人（推計）","Property transfer tax (ITP, resale)":"不動産移転税（ITP、中古）","Notary, land registry and agency (estimate, about 1.2%)":"公証人、土地登記、仲介（推計、約1.2%）","Stamp Duty Land Tax, first-time buyer relief (England & NI)":"印紙土地税、初回購入者の軽減（イングランドと北アイルランド）","Stamp Duty Land Tax (England & NI)":"印紙土地税（イングランドと北アイルランド）","Conveyancing and searches (estimate)":"譲渡手続きと調査（推計）","Transfer duties 5.81% (first home: exempt from the 2025–2028 increase)":"移転税5.81%（最初の住宅：2025〜2028年の引き上げ対象外）","Transfer duties 6.32% (most departments, 2025–2028)":"移転税6.32%（ほとんどの県、2025〜2028年）","Notary fees and disbursements (estimate, about 1.2%)":"公証人手数料と実費（推計、約1.2%）","Transfer tax 0% (starter under 35, price up to €555,000)":"移転税0%（35歳未満の初回購入者、価格€555,000まで）","Transfer tax 2% (own home)":"移転税2%（自己の住宅）","Notary, land registry and valuation (estimate)":"公証人、土地登記、鑑定（推計）","Registration duty 2% (Flanders, sole own home)":"登録税2%（フランデレン、唯一の自己の住宅）","Registration duty 12% (Flanders)":"登録税12%（フランデレン）","Registration duty 3% (Wallonia, sole own home)":"登録税3%（ワロン、唯一の自己の住宅）","Registration duty 12.5% (Wallonia)":"登録税12.5%（ワロン）","Registration duty 12.5% after the €200,000 allowance (Brussels)":"€200,000の控除後に登録税12.5%（ブリュッセル）","Registration duty 12.5% (Brussels)":"登録税12.5%（ブリュッセル）","Notary and deed costs incl. VAT (estimate, about 1.5%)":"公証人と証書の費用、VAT込み（推計、約1.5%）","Registration + transcription duties 7%":"登録税 + 転記税 7%","Tax credit for a main home (Bëllegen Akt, up to €40,000 per buyer)":"主たる住居の税額控除（Bëllegen Akt、購入者1人につき最大€40,000）","Notary (estimate, about 1%)":"公証人（推計、約1%）","Real estate transfer tax 3.5%":"不動産移転税 3.5%","Land register entry 1.1%":"土地登記 1.1%","Mortgage registration 1.2% of the loan":"抵当権登記はローンの1.2%","Contract and trustee incl. VAT (estimate, about 1.8%)":"契約と管財人、VAT込み（推計、約1.8%）","IMT transfer tax (IMT Jovem, own permanent home, 35 or under)":"IMT移転税（IMT Jovem、自己の恒久的住宅、35歳以下）","IMT transfer tax (own permanent home, mainland)":"IMT移転税（自己の恒久的住宅、本土）","Stamp duty 0.8%":"印紙税 0.8%","Deed and registration (estimate)":"証書と登記（推計）","Stamp duty (1% to €1m, 2% to €1.5m, 6% above)":"印紙税（€100万まで1%、€150万まで2%、それを超える部分は6%）","Solicitor and searches incl. VAT (estimate)":"事務弁護士と調査、VAT込み（推計）","Stamp duty 5% (first-time buyer: first €200,000 exempt)":"印紙税5%（初回購入者：最初の€200,000は免除）","Stamp duty 5%":"印紙税 5%","Notary, searches and registration (estimate, about 1.5%)":"公証人、調査、登記（推計、約1.5%）","Transfer fees 3% / 5% / 8%, halved (resale, no VAT)":"移転手数料3% / 5% / 8%の半額（中古、VATなし）","Stamp duty on the contract (0.15% / 0.2%, max €20,000)":"契約書への印紙税（0.15% / 0.2%、最大€20,000）","Lawyer (estimate, about 1%)":"弁護士（推計、約1%）","Deed registration DKK 1,850 + 0.6%":"登記 DKK 1,850 + 0.6%","Mortgage registration DKK 1,825 + 1.25% of the loan":"抵当権登記 DKK 1,825 + ローンの1.25%","Buyer’s adviser (estimate)":"購入者のアドバイザー（推計）","Title registration 1.5% + SEK 825":"所有権登記 1.5% + SEK 825","New mortgage deeds 2% of the loan + SEK 375":"新しい抵当証書はローンの2% + SEK 375","Tenant-owner flat: no title registration or mortgage-deed tax":"組合所有型住宅：所有権登記と抵当証書の税なし","Pledge fee to the housing association (estimate)":"住宅組合への質権手数料（推計）","Document duty 2.5% (not for co-op flats or new builds)":"文書税2.5%（協同組合住宅や新築は対象外）","Registration fees, deed and mortgage":"登記手数料、証書と抵当権","Transfer tax 3% (real property)":"移転税3%（不動産）","Transfer tax 1.5% (housing-company flat)":"移転税1.5%（住宅会社の住戸）","19% of the interest, up to €4,000 of interest a year (main home)":"利息の19%、年€4,000の利息まで（主たる住居）","Interest minus the notional rental value (0.35% of the home’s value), deducted at your rate, at most 37.56%":"利息から帰属家賃価値（住宅価値の0.35%）を引いた額を税率で控除、最大37.56%","Interest deductible up to €2,000 a year per household member in the first five years (€1,500 years 6–10, €1,000 after)":"最初の5年間は世帯員1人につき年€2,000まで利息を控除可能（6〜10年目は€1,500、それ以降は€1,000）","Negative capital income: worth about 33% of the interest up to DKK 50,000 and about 25% above":"負の資本所得：DKK 50,000までの利息の約33%、それを超える部分は約25%相当","Tax reduction of 30% of the interest up to SEK 100,000 and 21% above":"SEK 100,000までの利息の30%、それを超える部分は21%の税額軽減","Interest is deductible from ordinary income, worth 22%":"利息は通常所得から控除可能、22%相当","No tax relief on mortgage interest for new loans.":"新規ローンの住宅ローン利息に税控除はありません。","No relief for new loans (the interest credit ended in 2013).":"新規ローンには控除なし（利息控除は2013年に終了）。","No relief for homes bought from 2013 (older purchases keep the transitional deduction).":"2013年以降に購入した住宅には控除なし（それ以前の購入は経過措置の控除を維持）。","No relief: the interest credit ended for homes bought from 2011.":"控除なし：2011年以降に購入した住宅の利息控除は終了。","No regional relief for new loans (Flanders since 2020, Brussels since 2017, Wallonia since 2025).":"新規ローンに地域の控除なし（フランデレンは2020年から、ブリュッセルは2017年から、ワロンは2025年から）。","No relief for new loans (the housing special-expense deduction ended in 2016).":"新規ローンには控除なし（住宅特別経費控除は2016年に終了）。","No relief for loans taken from 2012.":"2012年以降に借りたローンには控除なし。","No relief: mortgage interest relief ended (the temporary 2023–2024 relief has expired).":"控除なし：住宅ローン利息の控除は終了しました（2023〜2024年の一時的な控除は期限切れ）。","No relief: the deduction was phased out and ended in 2023.":"控除なし：控除は段階的に廃止され、2023年に終了。","No relief for owner-occupiers.":"自己居住者への控除なし。","Bank of Greece, binding since January 2025; 10% of new loans each quarter may exceed the limits.":"ギリシャ銀行、2025年1月から拘束力あり。各四半期の新規ローンの10%は上限を超えることができます。","No borrower-based limits are active; banks usually lend up to 80–100% of the value after their own affordability check.":"借り手に対する上限規制は実施されていません。銀行は通常、独自の返済能力審査の後、価値の80〜100%まで融資します。","No borrower-based limits are active; banks usually lend up to 80% of the value (more with the public first-home guarantee for young buyers).":"借り手に対する上限規制は実施されていません。銀行は通常、価値の80%まで融資します（若い購入者は公的な最初の住宅保証でそれ以上）。","No borrower-based limits are active; banks usually lend up to 80% of the value for a main home.":"借り手に対する上限規制は実施されていません。銀行は通常、主たる住居について価値の80%まで融資します。","Bank of England: no more than 15% of a lender’s new mortgages may be at 4.5 times income or more (the regulators are consulting on changes in 2026).":"イングランド銀行：金融機関の新規住宅ローンのうち、所得の4.5倍以上は15%以下でなければなりません（規制当局は2026年に変更を協議中）。","HCSF, binding: payments incl. insurance at most 35% of net income and at most 25 years (27 with a deferral for works); 20% of new loans may exceed.":"HCSF、拘束力あり：保険込みの返済額は手取り収入の最大35%、期間は最長25年（工事のための据え置きで27年）。新規ローンの20%は超えることができます。","Loan at most 100% of the home’s value; the amount you can borrow is also capped by the income-based lending standards (Nibud), not modelled here. Interest is deductible only on loans repaid within 30 years.":"ローンは住宅価値の最大100%。借入可能額は所得に基づく融資基準（Nibud）でも制限されますが、ここではモデル化していません。利息は30年以内に返済するローンについてのみ控除可能です。","National Bank of Belgium expectations: up to 90% of the value for an own home (first-time buyers may go higher within a tolerance), 80% for buy-to-let.":"ベルギー国立銀行の期待値：自己の住宅は価値の90%まで（初回購入者は許容範囲内でそれ以上も可）、賃貸用は80%。","CSSF, binding: 100% for first-time buyers of a main home, 90% for other main homes (15% of loans may go to 100%), 80% for other homes.":"CSSF、拘束力あり：主たる住居の初回購入者は100%、その他の主たる住居は90%（ローンの15%は100%まで可）、その他の住宅は80%。","FMA: the 90% / 40% / 35-year limits became non-binding guidance from July 2025.":"FMA：90% / 40% / 35年の上限は2025年7月から拘束力のないガイダンスになりました。","Banco de Portugal Recommendation 1/2026 (from August 2026): 90% of the value, payments at most 45% of net income with the rate raised 1.5 points, at most 40 years up to age 35 and 35 years after. A state guarantee lets young buyers borrow more.":"ポルトガル銀行勧告1/2026（2026年8月から）：価値の90%、金利を1.5ポイント上げた場合の返済額が手取り収入の最大45%、期間は35歳まで最長40年、それ以降は35年。国の保証で若い購入者はより多く借りられます。","Central Bank of Ireland: 90% of the value, 4 times gross income for first-time buyers and 3.5 for others; 15% of loans may exceed.":"アイルランド中央銀行：価値の90%、初回購入者は総収入の4倍、その他は3.5倍。ローンの15%は超えることができます。","Central Bank of Malta: 90% for first-time buyers and main homes (75% otherwise), stressed payments at most 40% of income with the rate raised 1.5 points, at most 40 years (25 otherwise) or retirement age.":"マルタ中央銀行：初回購入者と主たる住居は90%（それ以外は75%）、金利を1.5ポイント上げた場合の返済額が収入の最大40%、期間は最長40年（それ以外は25年）または定年年齢まで。","Central Bank of Cyprus: 80% of the value for a main home (70% otherwise), payments at most 80% of net disposable income.":"キプロス中央銀行：主たる住居は価値の80%（それ以外は70%）、返済額は可処分所得の最大80%。","At least 5% down payment; above 4 times gross income lenders require extra wealth (Danish FSA). Mortgage-bank loans cover up to 80%, the rest is a bank loan.":"頭金は少なくとも5%。総収入の4倍を超えると、金融機関は追加の資産を求めます（デンマーク金融監督庁）。抵当銀行のローンは80%までで、残りは銀行ローンです。","Mortgage cap 90% (law from April 2026). Repayment at least 2% a year above 70% of the value and 1% between 50% and 70%.":"住宅ローンの上限90%（2026年4月からの法律）。価値の70%を超える部分は年少なくとも2%、50〜70%の部分は1%の返済。","Lending regulation: 90% of the value, total debt at most 5 times gross income, must afford a 3-point rate rise; above 60% repay at least 2.5% a year.":"融資規制：価値の90%、債務総額は総収入の最大5倍、金利3ポイント上昇に耐えられること。60%を超える場合は年少なくとも2.5%を返済。","FIN-FSA: 95% for first-time buyers and 90% for others; stressed payments (6% rate, 25 years) at most 60% of income; at most 30 years.":"FIN-FSA：初回購入者は95%、その他は90%。ストレス時の返済額（金利6%、25年）は収入の最大60%。期間は最長30年。","Buying costs in {c}":"{c}での購入費用","Total buying costs":"購入費用の合計","of the price":"価格の","Cash needed upfront (down payment + costs)":"事前に必要な現金（頭金 + 費用）","Loan-to-value":"借入比率","at most {p}":"最大 {p}","yours {p}":"あなた {p}","Payment as a share of net income":"手取り収入に対する返済額の割合","Payment at 6% over 25 years, share of net income":"金利6%・25年での返済額の手取り収入に対する割合","Payment with the rate {d} points higher, share of net income":"金利が {d} ポイント高い場合の返済額の手取り収入に対する割合","Loan as a multiple of gross yearly pay":"年間総支給に対する借入額の倍率","at most {x}×":"最大 {x} 倍","yours {x}×":"あなた {x} 倍","Loan term":"借入期間","at most {y} years":"最長 {y} 年","yours {y} years":"あなた {y} 年","Minimum repayment":"最低返済額","2% of the loan a year":"年にローンの2%","1% of the loan a year":"年にローンの1%","none below 50% of the value":"価値の50%未満ではなし","2.5% of the loan a year (or a 30-year annuity)":"年にローンの2.5%（または30年の元利均等）","none below 60% of the value":"価値の60%未満ではなし","Lending limits in {c}":"{c}での融資制限","No official limits":"公的な制限なし","Guidance (not legally binding)":"ガイダンス（法的拘束力なし）","Binding rules":"拘束力のある規則","as a first-time buyer / main home":"初回購入者 / 主たる住居として","as a repeat buyer":"2回目以降の購入者として","Tax relief on interest":"利息の税控除","about {v} in the first year ({m} a month), so the payment effectively costs {p} a month.":"初年度は約 {v}（月 {m}）なので、実質的な返済額は月 {p} になります。","Sources: {s}. Fees marked as estimates vary by provider and region.":"出典：{s}。推計と記載した手数料は提供者や地域によって異なります。","Wealth if you buy, after {n} years":"購入した場合の {n} 年後の資産","home value minus loan and selling costs, plus savings":"住宅価値からローンと売却費用を引き、貯蓄を加えた額","Wealth if you rent and invest":"賃貸して投資した場合の資産","the upfront cash and any monthly difference, invested":"事前の現金と毎月の差額を投資","Buying ahead by {v}":"購入が {v} 有利","Renting ahead by {v}":"賃貸が {v} 有利","buying pulls ahead from year {y}":"{y}年目から購入が有利になる","buying does not pull ahead within {n} years":"{n} 年以内には購入が有利になりません","Buy":"購入","Rent and invest":"賃貸して投資","How it works: both choices spend the same each month. The buyer pays the loan, the other housing costs and upkeep ({u} of the value a year), minus any interest relief; the renter pays rent rising {g} a year. Whoever spends less in a month invests the difference at {r} a year, and the renter also invests the cash the buyer needed upfront. The home grows {p} a year and selling costs {s} are deducted at the end. Taxes on investment returns and on a future sale are not included; this is a comparison under your assumptions, not advice.":"仕組み：どちらの選択も毎月同じ額を支出します。購入者はローン、その他の住居費、維持費（価値の年 {u}）を払い、利息の控除があれば差し引きます。賃借人は年 {g} 上昇する家賃を払います。その月に支出が少ない方が差額を年 {r} で投資し、賃借人は購入者が事前に必要とした現金も投資します。住宅は年 {p} 値上がりし、最後に売却費用 {s} を差し引きます。投資収益と将来の売却に対する税金は含まれません。これはあなたの想定に基づく比較であり、アドバイスではありません。","How it works: interest is charged every month on the remaining balance at the rate you enter. With equal monthly payments the payment stays the same and the capital part grows; with equal capital the payment starts higher and falls. Extra repayments go straight to the capital. The rate is your assumption, not an offer: compare real offers.":"仕組み：入力した金利で毎月、残高に利息がかかります。元利均等返済では返済額は一定で元金部分が増えていき、元金均等返済では返済額が最初は高く、徐々に下がります。追加返済は直接元金に充てられます。金利はあなたの想定であり、提案ではありません。実際の提案を比較してください。","Monthly RETA quota by computable net yield (profit less a 7% generic deduction): from about €206 (up to €670/month) to €607 (above €6,000/month) in 2026, the 2025 minimum bases extended at 31.5% including the 0.9% intergenerational equity charge (MEI). IRPF on profit with the same scale, 5% hard-to-justify expenses (max €2,000), no work-income reduction.":"計算上の純利益（利益から一般控除7%を引いた額）による月額RETA保険料：2026年は約€206（月€670まで）から€607（月€6,000超）、2025年の最低基礎額を延長し、世代間公平拠出（MEI）0.9%を含む31.5%で計算。利益に同じ税率表でIRPF、証明困難な経費として5%（最大€2,000）、給与所得の減額なし。","St Francis of Assisi":"アッシジの聖フランチェスコ","Public holidays on weekdays in 2026":"2026年の平日の祝日","Legal minimum annual leave in 2026, 5-day week":"2026年の法定最低年次休暇、週5日制","Annual leave after 10 years with the employer, 5-day week":"雇用主で10年後の年次休暇、週5日制","2008 rules: income tax + employee contributions at the average wage (€23,850)":"2008年の規則：平均賃金（€23,850）での所得税 + 従業員の保険料","2017 rules: income tax + employee contributions at the average wage (€19,859)":"2017年の規則：平均賃金（€19,859）での所得税 + 従業員の保険料","2021 rules: income tax + employee contributions at the average wage (€20,057)":"2021年の規則：平均賃金（€20,057）での所得税 + 従業員の保険料","2024 rules: income tax + employee contributions at the average wage (€25,680)":"2024年の規則：平均賃金（€25,680）での所得税 + 従業員の保険料","Employer notice after 12 years (months)":"12年後の雇用主の予告（月）","Employer notice after 20 years (months)":"20年後の雇用主の予告（月）","Objective dismissal after 10 years at €30,000 a year":"年€30,000で10年後の客観的理由による解雇","Unfair dismissal cap for service from 2012 (days)":"2012年以降の勤続に対する不当解雇の上限（日）","Unfair dismissal with 20 years before 2012 (days)":"2012年以前に20年勤続した場合の不当解雇（日）","Transfer tax on €200,000":"€200,000に対する移転税","Transfer tax (ITP) on a €300,000 resale home in Madrid":"マドリードの€300,000の中古住宅に対する移転税（ITP）","Transfer tax + land register fee on €300,000":"€300,000に対する移転税 + 土地登記手数料","Transfer tax on a €200,000 housing-company flat":"€200,000の住宅会社の住戸に対する移転税","Document duty on NOK 4,000,000":"NOK 4,000,000に対する文書税","Transfer fees on a €200,000 resale home":"€200,000の中古住宅に対する移転手数料","RETA quota for €18,000 net profit a year":"年間純利益€18,000に対するRETA保険料","Health + care insurance at the minimum base, childless, age 30":"最低基礎額での健康 + 介護保険、子どもなし、30歳","tax, contributions, net pay, state and private pensions, termination, benefits, home buying, leave, freelance":"税金、保険料、手取り、公的年金と私的年金、退職、給付、住宅購入、休暇、フリーランス","Micro-entrepreneur contributions on €40,000 of service fees (BNC)":"サービス報酬€40,000に対するマイクロ起業家の保険料（BNC）","5 weeks (25 working days) a year under the Holiday Act, earned at 2.08 days a month, with 12.5% holiday pay or full pay plus a 1% supplement. Many agreements add 5 extra holiday days (feriefridage). Great Prayer Day was abolished in 2024. Constitution Day (5 June) is not a public holiday by law, but many agreements give a full or half day off.":"休暇法により年5週間（25労働日）、月2.08日ずつ獲得、12.5%の休暇手当または給与全額に1%の補足。多くの協約でさらに5日の休暇日（feriefridage）。大祈祷日は2024年に廃止。憲法記念日（6月5日）は法律上の祝日ではありませんが、多くの協約で全日または半日の休みが与えられます。","Private pension (PGBL/VGBL) payout tax after 10 years, regressive table":"10年後の個人年金（PGBL/VGBL）受け取り時の税、逓減税率表","PGBL deduction limit for R$60,000 of taxable income":"課税所得R$60,000でのPGBL控除上限","New York mansion tax on a $1,200,000 home":"$1,200,000の住宅に対するニューヨークのマンション税","ITBI on a R$500,000 home in São Paulo":"サンパウロのR$500,000の住宅に対するITBI","California":"カリフォルニア","California SDI 1.3%":"カリフォルニアSDI 1.3%","New York":"ニューヨーク","NY Paid Family Leave 0.432% (max $411.91) + disability $0.60 a week":"NY有給家族休暇 0.432%（最大$411.91）+ 障害保険 週$0.60","Texas (no state income tax)":"テキサス（州所得税なし）","Florida (no state income tax)":"フロリダ（州所得税なし）","Washington (no state income tax)":"ワシントン（州所得税なし）","WA Cares long-term care 0.58%":"WA Cares 長期介護 0.58%","WA Paid Family and Medical Leave 0.81%":"WA有給家族・医療休暇 0.81%","Illinois":"イリノイ","Pennsylvania":"ペンシルベニア","PA unemployment 0.07%":"PA失業保険 0.07%","Ohio":"オハイオ","Georgia":"ジョージア","North Carolina":"ノースカロライナ","Michigan":"ミシガン","New Jersey":"ニュージャージー","NJ unemployment, disability and family leave insurance":"NJ失業・障害・家族休暇保険","Massachusetts":"マサチューセッツ","MA Paid Family and Medical Leave 0.46%":"MA有給家族・医療休暇 0.46%","Virginia":"バージニア","Arizona":"アリゾナ","Colorado":"コロラド","Another state (federal taxes only)":"その他の州（連邦税のみ）","Social Security 6.2% (up to $184,500)":"社会保障税 6.2%（$184,500まで）","Medicare 1.45% (+0.9% above $200,000)":"メディケア 1.45%（$200,000超は+0.9%）","Federal income tax":"連邦所得税","Refundable Child Tax Credit":"還付可能な子ども税額控除","Standard deduction (federal)":"標準控除（連邦）","Overtime deduction (2025–2028)":"時間外労働控除（2025〜2028年）","Child Tax Credit ($2,200 per child)":"子ども税額控除（子ども1人につき$2,200）","Self-employment tax 15.3% (Social Security + Medicare)":"自営業税 15.3%（社会保障 + メディケア）","State":"州","Maximum weekly benefit":"週給付額の上限","Weeks":"週数","None by law":"法律上の定めなし","at-will employment; 60 days for mass layoffs (WARN Act)":"随意雇用。大量解雇は60日（WARN法）","United States":"アメリカ合衆国","Filing status":"申告区分","Married filing jointly (one income)":"夫婦合算申告（収入1つ）","Head of household (single parent)":"世帯主（ひとり親）","I live in New York City (city income tax)":"ニューヨーク市に住んでいる（市所得税）","Employer match (% of what you put in)":"雇用主のマッチング（拠出額に対する %）","Matched up to (% of salary)":"マッチングの上限（給与の %）","Account type":"口座の種類","Traditional 401(k): tax relief now, taxed when paid out":"従来型401(k)：今税控除、受け取り時に課税","Roth 401(k): no relief now, tax-free when paid out":"Roth 401(k)：今は控除なし、受け取り時は非課税","Your tax rate in retirement %":"退職後の税率 %","Company severance: weeks of pay per year (0 if none)":"会社の退職金：1年あたりの給与週数（なければ0）","Federal income tax 2026":"連邦所得税 2026年","10% to 37% in seven brackets; for a single filer 10% up to $12,400, 12% to $50,400, 22% to $105,700, 24% to $201,775, 32% to $256,225, 35% to $640,600 and 37% above (joint brackets are twice as wide up to 32%). Standard deduction $16,100 single, $32,200 joint, $24,150 head of household. Child Tax Credit $2,200 per child, up to $1,700 refundable.":"10%から37%までの7区分。単身申告者は$12,400まで10%、$50,400まで12%、$105,700まで22%、$201,775まで24%、$256,225まで32%、$640,600まで35%、それを超える部分は37%（合算申告の区分は32%まで2倍の幅）。標準控除は単身$16,100、合算$32,200、世帯主$24,150。子ども税額控除は子ども1人につき$2,200、うち最大$1,700は還付可能。","Payroll taxes (FICA)":"給与税（FICA）","Social Security 6.2% on pay up to $184,500 and Medicare 1.45% on all pay, plus 0.9% above $200,000. Your employer pays the same 7.65% plus federal and state unemployment tax. Some states add disability or family-leave contributions (California SDI 1.3%, New York, New Jersey, Massachusetts, Washington).":"社会保障税は$184,500までの給与に6.2%、メディケアは全給与に1.45%、$200,000超は0.9%追加。雇用主も同じ7.65%に加え、連邦と州の失業税を払います。一部の州は障害や家族休暇の拠出を追加します（カリフォルニアSDI 1.3%、ニューヨーク、ニュージャージー、マサチューセッツ、ワシントン）。","State income tax":"州所得税","Each state sets its own: none in Texas, Florida, Washington and six others; flat rates such as Pennsylvania 3.07%, Illinois 4.95%, North Carolina 3.99% and Georgia 4.99%; graduated rates up to 13.3% in California and 10.9% in New York (plus up to 3.876% New York City tax). Traditional 401(k) contributions lower state tax too, except in Pennsylvania.":"各州が独自に定めます：テキサス、フロリダ、ワシントンほか6州はなし。ペンシルベニア3.07%、イリノイ4.95%、ノースカロライナ3.99%、ジョージア4.99%などの一律税率。カリフォルニアは最大13.3%、ニューヨークは最大10.9%（加えてニューヨーク市税最大3.876%）の累進税率。従来型401(k)の拠出はペンシルベニアを除き州税も下げます。","Non-exempt employees get at least 1.5 times their regular rate for hours over 40 in a week. There is no federal premium for nights, weekends or holidays, and no federal cap on overtime hours. Some states add daily overtime (California: over 8 hours a day, double time over 12).":"適用除外でない従業員は、週40時間を超える時間について通常の時給の少なくとも1.5倍を受け取ります。深夜、週末、祝日の連邦の割増はなく、時間外労働時間の連邦の上限もありません。一部の州は1日単位の時間外労働を追加します（カリフォルニア：1日8時間超、12時間超は2倍）。","No tax on overtime (2025–2028)":"時間外手当への非課税（2025〜2028年）","The premium part of FLSA overtime (the extra half) can be deducted from federal taxable income, up to $12,500 a year ($25,000 joint), phasing out above $150,000 of income ($300,000 joint). Social Security, Medicare and most state taxes still apply.":"FLSAの時間外手当の割増部分（追加の半分）は、年$12,500（合算$25,000）まで連邦の課税所得から控除でき、所得$150,000（合算$300,000）を超えると逓減します。社会保障税、メディケア、ほとんどの州税は引き続きかかります。","No federal limit":"連邦の上限なし","Self-employment tax 15.3% (12.4% Social Security up to $184,500 + 2.9% Medicare) on 92.35% of net profit; half of it is deductible. The qualified business income deduction takes 20% off taxable income below $201,750 ($403,500 joint). Estimated tax is paid quarterly. State income tax applies as for employees.":"自営業税15.3%（社会保障12.4%は$184,500まで + メディケア2.9%）を純利益の92.35%に対して課税、その半分は控除可能。適格事業所得控除で$201,750（合算$403,500）未満の課税所得から20%を差し引きます。予定納税は四半期ごと。州所得税は従業員と同様に適用。","Social Security":"社会保障","Based on your best 35 years of earnings (up to the taxable maximum), indexed to wages: 90% of the first $1,286 of average monthly earnings, 32% up to $7,749 and 15% above (2026). Full retirement age is 67 for people born in 1960 or later; claiming at 62 pays 70%, waiting to 70 pays 124%. You need 40 credits ($1,890 of earnings per credit in 2026, up to 4 a year).":"最も良い35年の収入（課税上限まで）を賃金で指数化：平均月収の最初の$1,286の90%、$7,749まで32%、それを超える部分15%（2026年）。満額受給年齢は1960年以降生まれで67歳。62歳で請求すると70%、70歳まで待つと124%。40クレジット（2026年は収入$1,890で1クレジット、年最大4）が必要。","Tax and Medicare":"税金とメディケア","Up to 85% of benefits can be taxed if other income is high; with Social Security alone most retirees pay no federal tax. From 65 the Medicare Part B premium ($202.90 a month in 2026) is usually deducted from the benefit. Benefits rose 2.8% in 2026.":"他の所得が多いと給付の最大85%が課税される場合がありますが、社会保障だけなら大半の退職者は連邦税を払いません。65歳からはメディケアパートBの保険料（2026年は月$202.90）が通常給付から差し引かれます。給付は2026年に2.8%引き上げ。","401(k): you choose a share of your pay; many employers match part of it (often 50% of up to 6% of salary). Traditional contributions are taken before income tax and taxed when withdrawn; Roth contributions are taxed now and withdrawn tax-free. Withdrawals usually start from 59½, and required minimum distributions from 73.":"401(k)：給与の一部を選んで拠出し、多くの雇用主がその一部をマッチングします（多くは給与の6%までの50%）。従来型の拠出は所得税前に差し引かれ、引き出し時に課税されます。Roth型の拠出は今課税され、引き出しは非課税です。引き出しは通常59½歳から、最低引き出し義務は73歳から。","Martin Luther King Jr. Day":"マーティン・ルーサー・キング・ジュニア・デー","Washington’s Birthday":"ワシントン誕生日","Memorial Day":"メモリアルデー","Juneteenth":"ジューンティーンス","Labor Day":"レイバーデー","Columbus Day":"コロンブス・デー","Veterans Day":"退役軍人の日","Thanksgiving Day":"感謝祭","No federal law requires paid vacation or paid holidays in the private sector; they come from your employer (11 days after a year of service is typical). The 11 federal holidays are shown, moved to Friday or Monday when they fall on a weekend. Some states require paid sick days, and a few pay family leave.":"民間部門で有給休暇や有給の祝日を義務付ける連邦法はなく、雇用主が与えます（勤続1年後に11日が一般的）。表示は11の連邦祝日で、週末に当たる場合は金曜または月曜に移動します。一部の州は有給病気休暇を義務付け、いくつかの州は家族休暇に給付を行います。","8 weeks of state Paid Family Leave at 70–90% of pay":"州の有給家族休暇8週、給与の70〜90%","12 weeks of state Paid Family Leave at 67% of pay (capped)":"州の有給家族休暇12週、給与の67%（上限あり）","12 weeks of state Family Leave Insurance at 85% of pay (capped)":"州の家族休暇保険12週、給与の85%（上限あり）","12 weeks of state Paid Family Leave (up to 26 with medical leave)":"州の有給家族休暇12週（医療休暇と合わせて最大26週）","12 weeks of state Paid Family Leave (up to 90% of pay, capped)":"州の有給家族休暇12週（給与の最大90%、上限あり）","12 weeks of state FAMLI paid leave (up to 90% of pay, capped)":"州のFAMLI有給休暇12週（給与の最大90%、上限あり）","Family and Medical Leave Act (FMLA)":"家族・医療休暇法（FMLA）","12 weeks a year for a birth, adoption or serious illness (employers with 50+ staff, after 12 months)":"出産、養子縁組、重病のため年12週（従業員50人以上の雇用主、12か月勤務後）","State paid family leave":"州の有給家族休暇","Not available in this state":"この州では利用できません","Paid by the state fund":"州の基金が支給","Paid sick leave":"有給病気休暇","No federal right; many states require 40 hours or more a year (California, New York, New Jersey, Massachusetts, Washington, Arizona, Illinois, Michigan, Colorado)":"連邦の権利はなし。多くの州が年40時間以上を義務付け（カリフォルニア、ニューヨーク、ニュージャージー、マサチューセッツ、ワシントン、アリゾナ、イリノイ、ミシガン、コロラド）","Full pay where required":"義務がある場合は給与全額","Pregnancy and nursing":"妊娠と授乳","Reasonable accommodations and break time to express milk for a year (Pregnant Workers Fairness Act, PUMP Act)":"合理的配慮と、1年間の搾乳のための休憩時間（妊娠労働者公正法、PUMP法）","Breaks usually unpaid":"休憩は通常無給","Laid off or dismissed (not for misconduct)":"一時解雇または解雇（不正行為以外）","At-will employment":"随意雇用","In almost every state either side can end the job at any time without notice or a reason (but not for a discriminatory or retaliatory reason). There is no legal severance; many employers pay 1–2 weeks per year of service in exchange for a release. The WARN Act requires 60 days’ notice for mass layoffs at employers with 100+ staff.":"ほぼすべての州で、どちらの側もいつでも予告や理由なしに雇用を終了できます（ただし差別や報復を理由とするものは不可）。法定の退職金はなく、多くの雇用主は請求放棄と引き換えに勤続1年につき1〜2週分を支払います。WARN法は従業員100人以上の雇用主の大量解雇に60日前の予告を義務付けています。","Unemployment insurance":"失業保険","Run by each state: usually about half of your previous weekly pay up to a state maximum (from $275 in Florida to $1,152 in Washington in 2026), for up to 26 weeks (12 in Florida and North Carolina, 14 in Georgia). Benefits are taxable income. Not after quitting without good cause.":"各州が運営：通常は以前の週給の約半分で州の上限まで（2026年はフロリダの$275からワシントンの$1,152まで）、最長26週（フロリダとノースカロライナは12週、ジョージアは14週）。給付は課税所得です。正当な理由のない自己都合退職では対象外。","Final pay and health cover":"最終給与と医療保険","Some states (such as California, Colorado, Illinois and Massachusetts) require unused vacation to be paid out. COBRA lets you keep your employer health plan for up to 18 months at your own cost.":"一部の州（カリフォルニア、コロラド、イリノイ、マサチューセッツなど）は未消化休暇の支払いを義務付けています。COBRAにより、雇用主の医療保険を自己負担で最長18か月継続できます。","A traditional 401(k) contribution lowers both federal and state income tax; take at least the full employer match, it is an instant return.":"従来型401(k)の拠出は連邦と州の所得税の両方を下げます。少なくとも雇用主のマッチングは満額受け取りましょう。即時のリターンです。","If you are paid FLSA overtime, its premium half is deductible from federal income tax until 2028 (up to $12,500).":"FLSAの時間外手当を受け取っている場合、その割増の半分は2028年まで連邦所得税から控除できます（最大$12,500）。","The Child Tax Credit ($2,200 per child) is included in the tax above; there is no separate monthly child benefit. Married couples usually file jointly with brackets twice as wide.":"子ども税額控除（子ども1人につき$2,200）は上の税額に含まれています。別途の毎月の児童手当はありません。夫婦は通常、2倍の幅の区分で合算申告します。","No legal severance (at-will employment)":"法定退職金なし（随意雇用）","12 weeks unpaid (FMLA); paid in some states":"無給12週（FMLA）、一部の州では有給","12 weeks unpaid (FMLA)":"無給12週（FMLA）","No federal paid leave":"連邦の有給休暇なし","No federal right; many states require 40 hours":"連邦の権利はなし。多くの州が40時間を義務付け","Annual federal and state tax for one employee with the standard deduction, before any pre-tax health insurance. Local income taxes other than New York City (for example in Pennsylvania, Ohio and Michigan cities), itemised deductions, the AMT and state credits are not modelled; payroll withholding can differ from the tax on your return.":"標準控除を適用した従業員1人の年間の連邦税と州税で、税引前の医療保険控除前です。ニューヨーク市以外の地方所得税（ペンシルベニア、オハイオ、ミシガンの各市など）、項目別控除、AMT、州の税額控除はモデル化していません。給与からの源泉徴収は申告書の税額と異なる場合があります。","Official sources: IRS (Rev. Proc. 2025-32, Notice 2025-67), Social Security Administration (2026 COLA fact sheet), US Department of Labor (FLSA, state unemployment insurance laws), state tax agencies (FTB/EDD California, NY DTF, NJ Treasury, Massachusetts DOR).":"公式情報源：IRS（Rev. Proc. 2025-32、Notice 2025-67）、社会保障局（2026年COLAファクトシート）、米国労働省（FLSA、州の失業保険法）、州の税務機関（FTB/EDD California、NY DTF、NJ Treasury、Massachusetts DOR）。","Federal income tax, single, $60,000 of wages":"連邦所得税、単身、給与$60,000","Federal income tax, married filing jointly, $120,000":"連邦所得税、夫婦合算申告、$120,000","California income tax, single, $80,000 of wages":"カリフォルニア州所得税、単身、給与$80,000","Overtime deduction for $20,000 of overtime premium, income $200,000 (single)":"時間外割増$20,000に対する時間外労働控除、所得$200,000（単身）","Employee Social Security + Medicare on $200,000":"$200,000に対する従業員の社会保障税 + メディケア","New York Paid Family Leave, maximum per year":"ニューヨーク有給家族休暇、年間上限","Primary insurance amount for average indexed earnings of $5,000 a month":"平均指数化月収$5,000での基本年金額","Benefit when claiming at 62 (full retirement age 67)":"62歳で請求した場合の給付（満額受給年齢67歳）","401(k) employee limit at age 45":"45歳での401(k)従業員拠出上限","401(k) employee limit at age 61 (super catch-up)":"61歳での401(k)従業員拠出上限（スーパーキャッチアップ）","Self-employment tax on $50,000 net profit":"純利益$50,000に対する自営業税","Maximum weekly unemployment benefit, California":"週の失業給付の上限、カリフォルニア","Maximum weekly unemployment benefit, New York":"週の失業給付の上限、ニューヨーク","Child Tax Credit for 2 children, income $80,000":"子ども2人の子ども税額控除、所得$80,000","INSS 7.5–14% (up to R$8,475.55 a month)":"INSS 7.5〜14%（月R$8,475.55まで）","IRRF income tax (12 monthly salaries)":"IRRF所得税（12か月分の月給）","IRRF on the 13th salary (taxed separately)":"13か月目の給与に対するIRRF（分離課税）","FGTS 8% paid by your employer into your account":"雇用主があなたの口座に払うFGTS 8%","Vacation bonus of one third (paid with your holidays, taxed)":"3分の1の休暇ボーナス（休暇とともに支払い、課税）","Salário-família R$67.54 per child (pay up to R$1,980.38)":"Salário-família 子ども1人につきR$67.54（給与R$1,980.38まで）","MEI monthly DAS (INSS 5% of the minimum wage + ISS)":"MEIの月額DAS（最低賃金の5%のINSS + ISS）","INSS 20% for the self-employed (up to the ceiling)":"自営業者のINSS 20%（上限まで）","30 days + 3 per year of service, up to 90":"30日 + 勤続1年につき3日、最大90日","30 days (you give it)":"30日（本人から）","Brazil":"ブラジル","Regime":"制度","Self-employed (autônomo, carnê-leão)":"自営業者（autônomo、carnê-leão）","MEI micro-entrepreneur (up to R$81,000 a year)":"MEIマイクロ起業家（年R$81,000まで）","Progressive contribution on each slice of monthly pay: 7.5% up to R$1,621.00, 9% up to R$2,902.84, 12% up to R$4,354.27 and 14% up to the ceiling of R$8,475.55 (maximum R$988.09 a month). The 13th salary pays INSS too.":"月給の各部分に対する累進保険料：R$1,621.00まで7.5%、R$2,902.84まで9%、R$4,354.27まで12%、上限R$8,475.55まで14%（月最大R$988.09）。13か月目の給与にもINSSがかかります。","Income tax (IRRF) 2026":"所得税（IRRF）2026年","Monthly table: exempt up to R$2,428.80, then 7.5%, 15%, 22.5% and 27.5% above R$4,664.68, after deducting INSS and R$189.59 per dependant (or a simplified R$607.20). Since January 2026 (Lei 15.270/2025) a reduction makes taxable income up to R$5,000 a month tax-free and tapers off by R$7,350. The 13th salary is taxed separately.":"月額表：R$2,428.80まで非課税、その後7.5%、15%、22.5%、R$4,664.68超で27.5%、INSSと扶養家族1人につきR$189.59（または簡易控除R$607.20）を差し引いた後。2026年1月から（Lei 15.270/2025）、軽減措置により月R$5,000までの課税所得は非課税となり、R$7,350で消滅します。13か月目の給与は分離課税。","13th salary, FGTS and employer cost":"13か月目の給与、FGTS、雇用主コスト","Employees get a 13th salary each December and a one-third bonus on their holiday pay. The employer deposits 8% of pay into your FGTS account and pays about 28% social contributions (20% INSS + accident insurance + third-party levies); companies in Simples Nacional pay less. Minimum wage R$1,621 a month.":"従業員は毎年12月に13か月目の給与を受け取り、休暇給与には3分の1のボーナスが付きます。雇用主は給与の8%をあなたのFGTS口座に入金し、約28%の社会保険料（INSS 20% + 労災保険 + 第三者賦課金）を払います。Simples Nacionalの企業はより少なく払います。最低賃金は月R$1,621。","CLT overtime":"CLTの時間外労働","At least 50% extra for overtime (art. 59 CLT), at most 2 hours a day; 100% on Sundays and public holidays worked without a day off in lieu. Night work from 22:00 to 05:00 pays at least 20% extra, and a night hour counts as 52½ minutes.":"時間外労働には少なくとも50%の割増（CLT第59条）、1日最大2時間。代休なしで働いた日曜と祝日は100%。22:00から05:00の深夜労働は少なくとも20%の割増で、深夜の1時間は52分30秒として数えます。","Overtime pays INSS and IRRF like normal pay and also raises your 13th salary, holiday pay and FGTS.":"時間外労働には通常の給与と同様にINSSとIRRFがかかり、13か月目の給与、休暇給与、FGTSも増えます。","2 h / day":"1日2時間","Autônomo and MEI":"AutônomoとMEI","A self-employed person pays INSS of 20% of earnings up to the ceiling (at most R$1,695.11 a month) and monthly income tax through carnê-leão on receipts less business expenses; municipal service tax (ISS) is not included. A MEI with revenue up to R$81,000 a year pays only a fixed monthly DAS (R$86.05 for services in 2026), which covers INSS and ISS.":"自営業者は上限までの収入の20%のINSS（月最大R$1,695.11）と、収入から事業経費を引いた額に対してcarnê-leãoによる毎月の所得税を払います。市町村サービス税（ISS）は含まれません。年収R$81,000までのMEIは固定の月額DAS（2026年のサービス業はR$86.05）のみを払い、INSSとISSをまかないます。","INSS retirement by age":"INSSの年齢による老齢年金","Since the 2019 reform: age 65 for men and 62 for women, with at least 15 years of contributions (20 for men who started after November 2019). The pension is 60% of the average of all salaries since July 1994 plus 2 points per year above 20 years (men) or 15 (women), never below the minimum wage (R$1,621) or above the ceiling (R$8,475.55).":"2019年の改革以降：男性65歳、女性62歳、保険料納付少なくとも15年（2019年11月以降に加入した男性は20年）。年金は1994年7月以降の全給与の平均の60%に、20年（男性）または15年（女性）を超える1年ごとに2ポイントを加算。最低賃金（R$1,621）を下回らず、上限（R$8,475.55）を超えません。","Payment and tax":"支払いと税金","Pensions are paid 13 times a year and rise each January with inflation (above the minimum, by INPC). From 65 an extra R$1,903.98 a month is exempt from income tax. Transition rules for people insured before the reform can give an earlier or higher pension; check Meu INSS.":"年金は年13回支払われ、毎年1月にインフレに応じて引き上げられます（最低額を超える分はINPCによる）。65歳からは月R$1,903.98が追加で所得税免除。改革前の加入者向けの経過措置で、より早く、またはより高い年金になる場合があります。Meu INSSでご確認ください。","Private pension (PGBL/VGBL): with the regressive tax table, payouts are taxed at 35% for money held under 2 years, falling by 5 points every two years to 10% after 10 years. Employer plans (fundos de pensão) often match part of your contribution.":"個人年金（PGBL/VGBL）：逓減税率表では、2年未満の保有分の受け取りは35%で課税され、2年ごとに5ポイント下がり、10年後には10%になります。雇用主のプラン（fundos de pensão）は拠出の一部をマッチングすることが多いです。","New Year (Confraternização Universal)":"元日（Confraternização Universal）","Good Friday (Paixão de Cristo)":"聖金曜日（Paixão de Cristo）","Tiradentes":"チラデンテスの日","Our Lady of Aparecida":"アパレシーダの聖母","All Souls’ Day (Finados)":"死者の日（Finados）","Proclamation of the Republic":"共和国宣言記念日","Black Consciousness Day":"黒人意識の日","30 calendar days of paid holidays after each 12 months of work (art. 130 CLT), about 22 working days, with a one-third bonus; they can be split into up to three periods (one of at least 14 days), and up to 10 days can be sold back. The national holidays are shown; Carnival is an optional day off (ponto facultativo), and states and cities add their own holidays.":"12か月勤務するごとに30暦日の有給休暇（CLT第130条）、約22労働日、3分の1のボーナス付き。最大3回に分割でき（うち1回は14日以上）、最大10日を買い取ってもらえます。表示は全国の祝日です。カーニバルは任意の休日（ponto facultativo）で、州と市が独自の祝日を追加します。","120 days (180 at Empresa Cidadã employers)":"120日（Empresa Cidadãの雇用主では180日）","Full pay (salário-maternidade, INSS)":"給与全額（salário-maternidade、INSS）","5 days in 2026 (20 at Empresa Cidadã); rising to 10 days in 2027, 15 in 2028 and 20 in 2029 under the 2026 law":"2026年は5日（Empresa Cidadãでは20日）。2026年の法律により2027年に10日、2028年に15日、2029年に20日に延長","Full pay":"給与全額","Breastfeeding breaks":"授乳休憩","Two 30-minute breaks a day until the baby is 6 months old":"赤ちゃんが6か月になるまで1日30分の休憩2回","First 15 days paid by the employer, then INSS sickness benefit (auxílio por incapacidade)":"最初の15日は雇用主が支給、その後INSSの傷病手当（auxílio por incapacidade）","100%, then 91% of the average salary (capped)":"100%、その後平均給与の91%（上限あり）","Justified absences":"正当な欠勤","3 days for your wedding, 2 days for a death in the family, 1 day a year for blood donation":"本人の結婚は3日、家族の死亡は2日、献血は年1日","Dismissal without just cause":"正当な理由のない解雇","Mutual agreement (art. 484-A CLT)":"合意による解約（CLT第484-A条）","Notice of 30 days plus 3 days per full year of service, up to 90 days (Lei 12.506/2011), usually paid in lieu; a fine of 40% of your FGTS balance paid by the employer; the whole FGTS balance is released; pro-rata 13th salary and holidays with the one-third bonus. Unemployment insurance on top.":"予告は30日に勤続満1年ごとに3日を加え、最大90日（Lei 12.506/2011）、通常は代わりに支払い。雇用主がFGTS残高の40%の罰金を支払い、FGTS残高全額が引き出し可能になり、13か月目の給与と休暇の按分に3分の1のボーナス。さらに失業保険。","Mutual agreement and resignation":"合意による解約と自己都合退職","By agreement (art. 484-A): half the notice, a 20% FGTS fine, 80% of the FGTS balance can be withdrawn, and no unemployment insurance. On resignation you give 30 days’ notice and keep only the pro-rata 13th salary and holidays.":"合意の場合（第484-A条）：予告は半分、FGTSの罰金20%、FGTS残高の80%を引き出し可能、失業保険なし。自己都合退職では30日前に予告し、13か月目の給与と休暇の按分のみを受け取ります。","Unemployment insurance (seguro-desemprego)":"失業保険（seguro-desemprego）","From the average of your last three salaries: 80% up to R$2,222.17, R$1,777.74 + 50% of the excess up to R$3,703.99, and R$2,518.65 above; never below the minimum wage. 4 payments with 12–23 months worked, 5 with 24 or more (first claim).":"直近3か月の給与の平均から：R$2,222.17までは80%、R$3,703.99まではR$1,777.74 + 超過分の50%、それを超えるとR$2,518.65。最低賃金を下回ることはありません。勤務12〜23か月で4回、24か月以上で5回の支給（初回請求）。","Between R$5,000 and R$7,350 a month the 2026 tax reduction still lowers your IRRF; above R$7,350 the normal table applies.":"月R$5,000からR$7,350の間では、2026年の税軽減でIRRFが引き続き下がります。R$7,350を超えると通常の表が適用されます。","Your FGTS (8% a month) is your money: check the balance in the FGTS app, and on dismissal without cause you also get a 40% fine on it.":"FGTS（月8%）はあなたのお金です：FGTSアプリで残高を確認してください。正当な理由のない解雇ではその40%の罰金も受け取れます。","Salário-família (R$67.54 per child under 14) is paid only when monthly pay is at most R$1,980.38. Spouses file separate tax returns unless one is declared a dependant.":"Salário-família（14歳未満の子ども1人につきR$67.54）は月給がR$1,980.38以下の場合のみ支給。配偶者は一方を扶養家族として申告しない限り、別々に確定申告します。","Notice in lieu + 40% FGTS fine":"予告に代わる支払い + FGTSの罰金40%","120 days at full pay (180 at Empresa Cidadã)":"120日、給与全額（Empresa Cidadãでは180日）","5 days (20 at Empresa Cidadã)":"5日（Empresa Cidadãでは20日）","15 days by the employer, then INSS (91%)":"15日は雇用主、その後INSS（91%）","Monthly withholding for one CLT employee without other income; the annual return (declaração) can change the final tax. PLR profit sharing (taxed on its own table), alimony, health and education deductions are not modelled, and employer costs assume a company outside Simples Nacional.":"他の所得のないCLT従業員1人の月々の源泉徴収です。年間の確定申告（declaração）で最終的な税額が変わる場合があります。PLR利益分配（独自の表で課税）、扶養料、医療費と教育費の控除はモデル化しておらず、雇用主コストはSimples Nacional以外の企業を想定しています。","Official sources: Receita Federal (IRRF tables, Lei 15.270/2025), Ministério da Previdência Social and INSS (Portaria Interministerial MPS/MF 13/2026), Ministério do Trabalho e Emprego (seguro-desemprego 2026), Planalto (CLT, Decreto 12.797/2025 minimum wage), IBGE.":"公式情報源：Receita Federal（IRRFの表、Lei 15.270/2025）、Ministério da Previdência SocialとINSS（Portaria Interministerial MPS/MF 13/2026）、Ministério do Trabalho e Emprego（seguro-desemprego 2026）、Planalto（CLT、最低賃金のDecreto 12.797/2025）、IBGE。","INSS on a R$5,000 monthly salary":"月給R$5,000に対するINSS","Maximum monthly INSS for employees":"従業員の月額INSSの上限","IRRF on a R$4,000 monthly salary":"月給R$4,000に対するIRRF","IRRF on a R$6,000 monthly salary":"月給R$6,000に対するIRRF","Minimum INSS pension (per month)":"INSSの最低年金（月額）","Pension, man, 30 years, average salary R$4,000":"年金、男性、30年、平均給与R$4,000","Notice after 10 years of service (days)":"勤続10年後の予告（日）","Unemployment insurance, average salary R$3,000 (per month)":"失業保険、平均給与R$3,000（月額）","Maximum unemployment insurance payment":"失業保険の支給額の上限","Salário-família per child (pay up to R$1,980.38)":"子ども1人あたりのSalário-família（給与R$1,980.38まで）","MEI monthly DAS for services":"サービス業のMEIの月額DAS","Lender, title and settlement costs (estimate, about 3% of the loan)":"金融機関、権原、決済の費用（推計、ローンの約3%）","Mortgage recording tax (New York City, 1.8% / 1.925%)":"抵当権登記税（ニューヨーク市、1.8% / 1.925%）","Mortgage recording tax (about 1.05%, varies by county)":"抵当権登記税（約1.05%、郡により異なる）","Mansion tax 1% (price $1 million or more)":"マンション税1%（価格$100万以上）","Mansion tax 1% (price above $1 million)":"マンション税1%（価格$100万超）","Documentary stamp tax 0.35% + intangible tax 0.2% on the mortgage":"住宅ローンに対する文書印紙税0.35% + 無形資産税0.2%","Realty transfer tax, buyer’s usual half (1% state + about 1% local, split)":"不動産移転税、通常の購入者負担分（州1% + 地方約1%、折半）","ITBI municipal transfer tax (3% in São Paulo and Rio de Janeiro; 2–3% elsewhere)":"ITBI市町村移転税（サンパウロとリオデジャネイロで3%、その他で2〜3%）","Deed and land registry (escritura e registro, estimate about 1.5%)":"証書と土地登記（escritura e registro、推計約1.5%）","Mortgage interest on up to $750,000 of debt is deductible if you itemise; it saves tax only on the part of the interest plus state and local taxes (capped at $40,400; property tax estimated at 1.1% of the price) above your standard deduction":"項目別控除を選べば、$750,000までの債務に対する住宅ローン利息を控除できます。節税になるのは、利息と州・地方税（上限$40,400、固定資産税は価格の1.1%と推計）の合計が標準控除を上回る部分だけです","No tax relief on mortgage interest.":"住宅ローン利息に税控除はありません。","No binding borrower limits. Conventional loans need at least 3% down (FHA 3.5%), with mortgage insurance below 20%; lenders usually accept total debt payments up to 43–50% of gross income. Conforming loan limit $832,750 in 2026 (up to $1,249,125 in high-cost areas).":"拘束力のある借り手の制限はありません。通常のローンは少なくとも3%の頭金（FHAは3.5%）が必要で、20%未満では住宅ローン保険がかかります。金融機関は通常、債務返済の合計が総収入の43〜50%まで認めます。2026年の適合ローン上限は$832,750（高コスト地域では最大$1,249,125）。","Banks finance up to 80% of the value within the SFH (Caixa often 70% for SBPE loans since 2025), and the first payment usually may not exceed 30% of gross family income. FGTS savings can pay the down payment on a first home.":"銀行はSFH内で価値の最大80%を融資し（2025年からCaixaのSBPEローンは70%のことが多い）、初回の返済額は通常、家族の総収入の30%を超えられません。最初の住宅の頭金にはFGTSの貯蓄を使えます。","Federal tax, payroll taxes and the 15 state options follow 2026 law; local income taxes outside New York City, itemised deductions and state credits are not modelled.":"連邦税、給与税、15州の選択肢は2026年の法律に従っています。ニューヨーク市以外の地方所得税、項目別控除、州の税額控除はモデル化していません。","Monthly withholding (INSS and IRRF) is checked; the annual tax return can change the final tax, and PLR profit sharing is not modelled.":"月々の源泉徴収（INSSとIRRF）は検証済みです。年間の確定申告で最終的な税額が変わる場合があり、PLR利益分配はモデル化していません。","Your earnings are used in today’s money with the 2026 bend points; Social Security indexes past earnings to national wages, so your official estimate at ssa.gov can differ.":"収入は2026年の屈折点を使った現在の貨幣価値で扱います。社会保障局は過去の収入を全国の賃金で指数化するため、ssa.govでの公式の見込み額とは異なる場合があります。","Transition rules for people insured before November 2019 are not modelled, and the average salary is built from your inputs; check Meu INSS for your official record.":"2019年11月以前の加入者向けの経過措置はモデル化しておらず、平均給与は入力値から作成しています。公式記録はMeu INSSでご確認ください。","The weekly unemployment benefit is estimated at about half of your weekly pay up to the state maximum; each state uses its own formula and base period.":"週の失業給付は、州の上限までの週給の約半分として推計しています。各州が独自の計算式と基準期間を使います。","The FGTS balance and its 40% fine are estimated from your salary and years of service (8% a month plus about 3% a year); check the FGTS app for your real balance.":"FGTS残高とその40%の罰金は、給与と勤続年数（月8%に年約3%の利息）から推計しています。実際の残高はFGTSアプリでご確認ください。","Your 401(k)":"あなたの401(k)","PayAbacus has no accounts and does not send what you type anywhere: all calculations run in your browser.||Your last inputs, language and theme are remembered only in this browser, so you find them next time; clearing your browser data removes them. A shared link or code contains the scenario itself and is seen only by the people you send it to.||Everything the page needs, including its fonts and chart library, is served from this site itself: nothing is loaded from other companies, and there are no cookies, no tracking and no advertising. You can delete what this browser keeps at any time with the button below.":"PayAbacusにはアカウントがなく、入力した内容をどこにも送信しません：すべての計算はブラウザ内で行われます。||最後の入力、言語、テーマはこのブラウザにのみ記憶され、次回も使えます。ブラウザのデータを消去すると削除されます。共有リンクやコードにはシナリオそのものが含まれ、送った相手だけが見られます。||フォントやグラフのライブラリを含め、ページに必要なものはすべてこのサイト自体から配信されます：他社から何も読み込まず、Cookie、トラッキング、広告はありません。このブラウザが保存しているデータは、下のボタンでいつでも削除できます。","Delete the data saved in this browser":"このブラウザに保存されたデータを削除","The data saved in this browser has been deleted.":"このブラウザに保存されたデータを削除しました。","PayAbacus is a free, non-commercial information website run by a private individual.||Owner and person responsible for the content: {name}, {address}. Email: {email}.||The calculators give estimates based on the published 2026 rules and official sources for each country. They are not tax, legal, financial or investment advice and do not replace an accountant, a lawyer or the competent authority. Rules change and, despite careful checks, mistakes are possible; no liability is accepted for decisions taken on the basis of the results, except where the law provides otherwise.||Links to official websites are given for information; their owners are responsible for their content.||The texts, design and code of PayAbacus are protected by copyright. The fonts and the chart library are used under their open licences (SIL Open Font License and MIT). Greek law applies.":"PayAbacusは個人が運営する無料の非営利情報サイトです。||所有者およびコンテンツの責任者：{name}、{address}。メール：{email}。||計算ツールは、公表された2026年の規則と各国の公式情報源に基づく推計を示します。税務、法律、金融、投資のアドバイスではなく、会計士、弁護士、所管官庁に代わるものではありません。規則は変わり、慎重に確認していても誤りがある可能性があります。法律に別段の定めがある場合を除き、結果に基づいて行った決定について責任は負いません。||公式サイトへのリンクは情報提供のためのもので、その内容については各所有者が責任を負います。||PayAbacusの文章、デザイン、コードは著作権で保護されています。フォントとグラフのライブラリはそれぞれのオープンライセンス（SIL Open Font LicenseとMIT）の下で使用しています。準拠法はギリシャ法です。","Questions, suggestions or a mistake you have found? Write to {email}.||To help us check a case against the official sources, please mention the country, the tab and the numbers you entered. We read every message.":"ご質問、ご提案、または誤りを見つけましたか？{email} までご連絡ください。||公式情報源と照合するため、国、タブ、入力した数値をお知らせください。すべてのメッセージを読んでいます。","Responsible for this website under the GDPR: {name}, {address}, {email}. You can write to this address about your rights, and you can also complain to the Hellenic Data Protection Authority (dpa.gr).":"GDPRに基づくこのサイトの責任者：{name}、{address}、{email}。あなたの権利についてはこのアドレスにご連絡いただけます。また、ギリシャのデータ保護機関（dpa.gr）に苦情を申し立てることもできます。","Spotted a mistake? Report it":"誤りを見つけましたか？報告する","Your email app opens with the details filled in; nothing is sent until you press Send.":"詳細が入力された状態でメールアプリが開きます。送信を押すまで何も送られません。","possible mistake":"誤りの可能性","What looks wrong?":"何がおかしいと思いますか？","What did you expect, and from which official source (a link if possible)?":"何を予想していましたか？どの公式情報源によるものですか（できればリンク）？","Tab":"タブ","Language":"言語","Your inputs that differ from the defaults":"既定値と異なる入力","none (default values)":"なし（既定値）","Scenario link":"シナリオのリンク","Report a mistake":"誤りを報告","National public holidays on weekdays in 2026":"2026年の平日の全国の祝日","NSW transfer duty on an $800,000 home (not a first home)":"$800,000の住宅に対するNSWの移転税（最初の住宅以外）","Victorian land transfer duty on an $800,000 home":"$800,000の住宅に対するビクトリア州の土地移転税","Queensland duty on a $700,000 first home (existing)":"$700,000の最初の住宅（既存）に対するクイーンズランド州の税","Queensland duty on a $700,000 home to live in (not first)":"$700,000の居住用住宅（最初以外）に対するクイーンズランド州の税","Medicare levy 2%":"メディケア賦課金 2%","Income tax (2026–27 rates)":"所得税（2026〜27年の税率）","HELP study loan repayment (reduces your debt)":"HELP学生ローンの返済（債務を減らします）","Super guarantee 12% paid by your employer on top of your salary":"雇用主が給与に上乗せして払うスーパーアニュエーション保証 12%","Low income tax offset":"低所得者税額控除","part":"一部","Set by your award or contract (often 1–4 weeks)":"アワードまたは契約で定める（多くは1〜4週間）","National Employment Standards minimum":"全国雇用基準の最低","Notice (+1 week over 45)":"予告（45歳超は+1週間）","Redundancy pay":"整理解雇手当","Australia":"オーストラリア","I have a HELP study loan":"HELP学生ローンがある","I have private hospital cover (no Medicare levy surcharge)":"民間の入院保険に加入している（メディケア賦課金の追加分なし）","Super and savings at pension age (today’s money)":"年金受給年齢時のスーパーアニュエーションと貯蓄（現在の貨幣価値）","I own my home":"持ち家がある","My employer has fewer than 15 employees (no NES redundancy pay)":"雇用主の従業員が15人未満（NESの整理解雇手当なし）","Income tax 2026–27":"所得税 2026〜27年","The income year runs from 1 July to 30 June. Residents pay nothing up to $18,200, then 15% to $45,000 (16% until June 2026), 30% to $135,000, 37% to $190,000 and 45% above. The low income tax offset of up to $700 reduces the tax for incomes below $66,667.":"所得年度は7月1日から6月30日まで。居住者は$18,200まで非課税、その後$45,000まで15%（2026年6月までは16%）、$135,000まで30%、$190,000まで37%、それを超える部分は45%。最大$700の低所得者税額控除で所得$66,667未満の税金が下がります。","Medicare levy and surcharge":"メディケア賦課金と追加分","The Medicare levy is 2% of taxable income, phased in above $28,011 for singles. Without private hospital cover, singles with income above $105,000 also pay the Medicare levy surcharge of 1%, 1.25% or 1.5% (2026–27 thresholds; families $210,000).":"メディケア賦課金は課税所得の2%で、単身者は$28,011超から段階的に適用されます。民間の入院保険に加入していない場合、所得が$105,000を超える単身者はメディケア賦課金の追加分1%、1.25%、1.5%も払います（2026〜27年の基準、家族は$210,000）。","Super and HELP":"スーパーアニュエーションとHELP","Your employer pays super guarantee of 12% on top of your salary into your super fund, with each payday from July 2026 (Payday Super), on earnings up to $270,830 a year. A HELP study loan is repaid through the tax system: 15c per $ of income above $69,528, 17c above $129,717, and 10% of all income above $186,050.":"雇用主は給与に上乗せして12%のスーパーアニュエーション保証を、2026年7月からは給料日ごとに（Payday Super）年$270,830までの収入についてあなたの基金に払います。HELP学生ローンは税制度を通じて返済されます：$69,528を超える所得$1につき15セント、$129,717超で17セント、$186,050超では全所得の10%。","Awards and agreements":"アワードと協約","The National Employment Standards cap ordinary hours at 38 a week plus reasonable additional hours; overtime and penalty rates come from your award or agreement. Most awards pay time and a half for the first 2–3 hours and double time after, with Saturday, Sunday and public holiday penalties (often 25–150% extra) and shift loadings of about 15%.":"全国雇用基準は通常の労働時間を週38時間と合理的な追加時間に制限しています。時間外と割増の率はアワードまたは協約で決まります。ほとんどのアワードでは最初の2〜3時間は1.5倍、その後は2倍で、土曜、日曜、祝日の割増（多くは25〜150%追加）と約15%のシフト手当があります。","Overtime is taxed like normal pay. From July 2026 super is paid on qualifying earnings each payday; overtime usually does not attract the super guarantee unless your award says so.":"時間外労働は通常の給与と同様に課税されます。2026年7月からスーパーアニュエーションは給料日ごとに対象収入に対して支払われます。アワードに定めがない限り、時間外労働には通常スーパーアニュエーション保証がかかりません。","38 h + reasonable extra":"38時間 + 合理的な追加","Business profit is taxed at the normal rates plus the 2% Medicare levy. The small business income tax offset takes 16% off the tax on that profit, up to $1,000 a year. There is no compulsory super for yourself, but personal contributions can be deducted up to the $32,500 cap. You must register for GST once turnover reaches $75,000; tax is prepaid through quarterly PAYG instalments.":"事業利益は通常の税率に2%のメディケア賦課金を加えて課税されます。小規模事業所得税額控除により、その利益に対する税金が16%（年最大$1,000）減ります。自分への強制のスーパーアニュエーションはありませんが、個人の拠出は$32,500の上限まで控除できます。売上が$75,000に達したらGST登録が必要。税金は四半期ごとのPAYG分割払いで前払いします。","Age Pension":"老齢年金（Age Pension）","From age 67 for residents with at least 10 years of residence (5 of them in one stretch). It is not based on earnings: the maximum is $1,237.70 a fortnight for a single person and $933.00 each for a couple (from 20 September 2026), reduced by an income test (50c per $ of income above $226 a fortnight, with savings deemed to earn 1.75% / 3.75%) and an assets test ($3 a fortnight per $1,000 above $333,000 for a single homeowner). Rates rise every March and September.":"少なくとも10年（うち5年は連続）居住した居住者に67歳から。収入に基づくものではありません：最大額は単身者で2週間あたり$1,237.70、夫婦はそれぞれ$933.00（2026年9月20日から）。所得審査（2週間あたり$226を超える所得$1につき50セント、貯蓄は1.75% / 3.75%の収益とみなす）と資産審査（持ち家の単身者で$333,000を超える$1,000ごとに2週間あたり$3）で減額。額は毎年3月と9月に引き上げ。","Super at retirement":"退職時のスーパーアニュエーション","Most Australians retire on their super plus a full or part Age Pension. Super can be accessed from 60 once you retire (or at 65), and withdrawals from 60 are tax-free. Your home is not counted in the assets test.":"ほとんどのオーストラリア人は、スーパーアニュエーションに満額または一部の老齢年金を加えて退職します。スーパーアニュエーションは退職すれば60歳から（または65歳で）利用でき、60歳からの引き出しは非課税です。自宅は資産審査に含まれません。","Super: your employer must pay 12% of your salary into your fund; you can add more by salary sacrifice. Contributions and fund earnings are taxed at up to 15% inside the fund (shown here as 15% of the final balance), and withdrawals after 60 are tax-free. Super is locked until you retire after reaching 60.":"スーパーアニュエーション：雇用主は給与の12%をあなたの基金に払わなければならず、salary sacrificeでさらに追加できます。拠出と基金の運用益は基金内で最大15%課税され（ここでは最終残高の15%として表示）、60歳以降の引き出しは非課税です。スーパーアニュエーションは60歳に達して退職するまで引き出せません。","Australia Day":"オーストラリア・デー","Anzac Day":"アンザック・デー","King’s Birthday (most states)":"国王誕生日（大半の州）","Four weeks of paid annual leave a year for full-time employees (five for some shift workers), accrued with each hour worked; many awards add a 17.5% leave loading. The national public holidays are shown (New Year’s Day, Australia Day and Christmas move to Monday when they fall on a weekend); each state adds its own, such as Labour Day, Easter Saturday and Melbourne Cup Day. Long service leave (about 8.7 weeks after 10 years) is set by state law.":"フルタイム従業員は年4週間の有給の年次休暇（一部のシフト労働者は5週間）、労働時間ごとに積み立て。多くのアワードでは17.5%の休暇手当が加わります。表示は全国の祝日（元日、オーストラリア・デー、クリスマスは週末に当たると月曜に移動）。各州がレイバー・デー、聖土曜日、メルボルン・カップ・デーなどの独自の祝日を追加します。長期勤続休暇（10年後に約8.7週）は州法で定められます。","Parental Leave Pay (government)":"育児休業給付（政府）","26 weeks (130 days) for a child born from 1 July 2026, shared between parents with 20 days reserved for the partner; income test applies":"2026年7月1日以降に生まれた子どもについて26週（130日）、両親で共有、20日はパートナー用に割り当て。所得審査あり","$1,004.70 a week (national minimum wage) plus 12% super, taxable":"週$1,004.70（全国最低賃金）に12%のスーパーアニュエーション、課税","12 months per parent after 12 months of service, with the right to request 12 more":"12か月勤務後、親1人につき12か月、さらに12か月を申請する権利","Personal / carer’s leave":"個人・介護休暇","10 days a year (pro rata for part-time), unused days roll over":"年10日（パートタイムは比例）、未使用分は繰越","Compassionate and family violence leave":"忌引休暇と家庭内暴力休暇","2 days per occasion (death or serious illness in the family); 10 days a year of family and domestic violence leave":"1回につき2日（家族の死亡または重病）。家族・家庭内暴力休暇は年10日","Made redundant (genuine redundancy)":"整理解雇（真の整理解雇）","Dismissed (not redundancy, not misconduct)":"解雇（整理解雇以外、不正行為以外）","Notice and redundancy pay":"予告と整理解雇手当","Minimum notice is 1 week (up to 1 year of service), 2 weeks (up to 3), 3 weeks (up to 5) and 4 weeks after that, plus 1 week if you are over 45 with at least 2 years; it can be paid in lieu. When a job is made redundant at an employer with 15 or more employees, NES redundancy pay is 4 weeks after 1 year rising to 16 weeks after 9 years, then 12 weeks from 10 years (long service leave takes over). Unused annual leave is paid out.":"最低予告期間は1週間（勤続1年まで）、2週間（3年まで）、3週間（5年まで）、その後4週間、45歳超で勤続2年以上なら1週間追加。予告に代わる支払いも可能。従業員15人以上の雇用主で職務が廃止された場合、NESの整理解雇手当は勤続1年後の4週から9年後の16週まで増え、10年からは12週（長期勤続休暇が代わる）。未消化の年次休暇は支払われます。","Tax on termination payments":"退職関連の支払いへの税","A genuine redundancy payment is tax-free up to $13,598 + $6,801 per complete year of service (2026–27). The rest is an employment termination payment taxed at 32% including Medicare (17% from age 60) up to the $270,000 cap and 47% above. Pay in lieu of notice on a dismissal is taxed the same way, with the cap reduced by your other income above $180,000.":"真の整理解雇の手当は、$13,598に満勤続年数1年ごとに$6,801を加えた額まで非課税（2026〜27年）。残りは雇用終了支払いとして、上限$270,000までメディケア込み32%（60歳からは17%）、それを超える部分は47%で課税されます。解雇時の予告に代わる支払いも同様に課税され、$180,000を超える他の所得の分だけ上限が下がります。","JobSeeker Payment":"求職者給付（JobSeeker Payment）","Unemployment support is a flat, means-tested payment, not linked to your previous pay: $824.90 a fortnight for a single person without children (from 20 September 2026). Liquid assets and redundancy pay can delay the first payment by up to several weeks, and leaving a job voluntarily can bring a non-payment period.":"失業支援は以前の給与とは関係のない、所得・資産審査付きの定額給付です：子どものいない単身者で2週間あたり$824.90（2026年9月20日から）。流動資産や整理解雇手当があると初回の支払いが数週間遅れることがあり、自己都合退職では不支給期間が生じる場合があります。","Without private hospital cover you pay the Medicare levy surcharge; basic hospital cover can cost less than the surcharge at your income.":"民間の入院保険がないとメディケア賦課金の追加分を払います。あなたの所得では、基本的な入院保険のほうが追加分より安い場合があります。","Check that your employer pays your 12% super: from July 2026 it must reach your fund within 7 days of each payday, and you can see it in myGov.":"雇用主が12%のスーパーアニュエーションを払っているか確認してください：2026年7月からは給料日ごとに7日以内に基金に届かなければならず、myGovで確認できます。","Family Tax Benefit is paid by Services Australia based on family income and is not included here. Australians file individual tax returns; the Medicare levy thresholds and surcharge use family income for couples.":"家族税給付（Family Tax Benefit）は世帯所得に基づいてServices Australiaが支給し、ここには含まれません。オーストラリア人は個別に確定申告し、夫婦のメディケア賦課金の基準と追加分には世帯所得を使います。","NES redundancy pay + notice":"NESの整理解雇手当 + 予告","26 weeks Parental Leave Pay at the minimum wage + 12 months unpaid":"最低賃金での育児休業給付26週 + 無給12か月","Shares the 26 weeks (20 days reserved for the partner)":"26週を共有（20日はパートナー用に割り当て）","12 months unpaid per parent (can extend to 24)":"親1人につき無給12か月（24か月まで延長可能）","10 days a year at full pay":"年10日、給与全額","Annual tax for one Australian-resident employee for the 2026–27 income year, with super paid on top of the salary entered. The Medicare levy uses the latest published singles threshold; family thresholds, Family Tax Benefit, salary packaging, fringe benefits, deductions and the seniors offset for workers over pension age are not modelled.":"2026〜27所得年度の、オーストラリア居住者の従業員1人の年間の税額で、スーパーアニュエーションは入力した給与に上乗せして支払われます。メディケア賦課金は直近に公表された単身者の基準を使います。家族の基準、家族税給付、給与パッケージ、フリンジベネフィット、控除、年金受給年齢を超えて働く人向けの高齢者税額控除はモデル化していません。","Official sources: Australian Taxation Office (2026–27 tax rates, Medicare levy and surcharge, HELP repayment thresholds, super contribution caps and guarantee, ETP and genuine redundancy limits), Fair Work Ombudsman (National Employment Standards, national minimum wage from 1 July 2026), Services Australia (Age Pension, deeming, JobSeeker and Parental Leave Pay rates from 20 September 2026), Revenue NSW, State Revenue Office Victoria, Queensland Revenue Office, APRA, Australian Bureau of Statistics.":"公式情報源：Australian Taxation Office（2026〜27年の税率、メディケア賦課金と追加分、HELPの返済基準、スーパーアニュエーションの拠出上限と保証、ETPと真の整理解雇の上限）、Fair Work Ombudsman（全国雇用基準、2026年7月1日からの全国最低賃金）、Services Australia（2026年9月20日からの老齢年金、みなし収益、JobSeeker、育児休業給付の額）、Revenue NSW、State Revenue Office Victoria、Queensland Revenue Office、APRA、オーストラリア統計局。","Income tax on $90,000 (2026–27)":"$90,000に対する所得税（2026〜27年）","Income tax + Medicare levy on $60,000":"$60,000に対する所得税 + メディケア賦課金","Medicare levy on $29,000 (low-income reduction)":"$29,000に対するメディケア賦課金（低所得者の軽減）","Medicare levy surcharge, single, $117,000 of income":"メディケア賦課金の追加分、単身、所得$117,000","HELP repayment on $137,064 of repayment income":"返済所得$137,064に対するHELPの返済","HELP repayment on $86,380 of repayment income":"返済所得$86,380に対するHELPの返済","Concessional contributions cap 2026–27":"2026〜27年の優遇拠出の上限","Employer super guarantee on a $300,000 salary":"給与$300,000に対する雇用主のスーパーアニュエーション保証","Full Age Pension, single (per fortnight)":"老齢年金満額、単身（2週間あたり）","Age Pension, single homeowner with $500,000 of super (per fortnight)":"老齢年金、スーパーアニュエーション$500,000の持ち家の単身者（2週間あたり）","Tax-free genuine redundancy limit, 8 complete years":"真の整理解雇の非課税上限、満8年","NES redundancy pay after 9 years (weeks)":"9年後のNESの整理解雇手当（週）","Notice for a 46-year-old with 6 years of service (weeks)":"勤続6年の46歳の予告（週）","JobSeeker Payment, single, no children (per fortnight)":"求職者給付、単身、子どもなし（2週間あたり）","Parental Leave Pay, 26 weeks in 2026–27":"育児休業給付、2026〜27年の26週","Sole trader income tax on $80,000 profit":"利益$80,000に対する個人事業主の所得税","New South Wales":"ニューサウスウェールズ","Victoria":"ビクトリア","Queensland":"クイーンズランド","Conveyancing, searches and registration fees (estimate)":"譲渡手続き、調査、登記の手数料（推計）","Transfer duty: first home buyer exemption (NSW, up to $800,000)":"移転税：最初の住宅購入者の免除（NSW、$800,000まで）","Transfer duty with the first home buyer concession (NSW, $800,000–$1 million, estimate)":"最初の住宅購入者の軽減を適用した移転税（NSW、$800,000〜$100万、推計）","Transfer duty (NSW, 2026–27 rates)":"移転税（NSW、2026〜27年の税率）","Land transfer duty: first home buyer exemption (Victoria, up to $600,000)":"土地移転税：最初の住宅購入者の免除（ビクトリア、$600,000まで）","Land transfer duty with the first home buyer concession (Victoria, $600,000–$750,000, estimate)":"最初の住宅購入者の軽減を適用した土地移転税（ビクトリア、$600,000〜$750,000、推計）","Land transfer duty, principal place of residence rate (Victoria)":"土地移転税、主たる居住地の税率（ビクトリア）","Land transfer duty (Victoria)":"土地移転税（ビクトリア）","Transfer duty, home concession less the first home concession (Queensland, existing home)":"移転税、住宅の軽減から最初の住宅の軽減を引いた額（クイーンズランド、既存住宅）","Transfer duty, home concession rate (Queensland)":"移転税、住宅の軽減税率（クイーンズランド）","No relief for a home you live in; interest is deductible only on an investment property.":"居住する住宅には控除なし。利息は投資用不動産についてのみ控除可能です。","APRA: banks must test that you can afford the loan at 3 points above its rate, and since 1 February 2026 at most 20% of a bank’s new home loans may be at 6 times income or more. Below a 20% deposit lenders usually charge mortgage insurance, unless you use the government Home Guarantee Scheme (5% deposit, price caps by area).":"APRA：銀行は金利を3ポイント上げてもローンを返済できるかを審査しなければならず、2026年2月1日からは銀行の新規住宅ローンのうち所得の6倍以上は20%以下でなければなりません。頭金20%未満では金融機関は通常住宅ローン保険を課しますが、政府の住宅保証制度（頭金5%、地域ごとの価格上限）を使えば不要です。","Your super":"あなたのスーパーアニュエーション","Transfer duty on a HUF 60 million home":"HUF 6,000万の住宅に対する移転税","Mortgage interest relief on CZK 200,000 of interest":"CZK 200,000の利息に対する住宅ローン利息の控除","Social and health insurance 13.78% (up to €2,300 a month)":"社会保険と健康保険 13.78%（月€2,300まで）","Income tax 10%":"所得税 10%","Employer contributions (about 19%)":"雇用主の保険料（約19%）","Self-employed contributions 27.8% (pension + health)":"自営業者の保険料 27.8%（年金 + 健康）","30 days":"30日","indefinite contract (up to 3 months by agreement)":"期間の定めのない契約（合意で最大3か月）","Notice paid in lieu (30 days)":"予告に代わる支払い（30日）","Compensation while unemployed (up to 1 month’s pay)":"失業中の補償（給与1か月分まで）","Bulgaria":"ブルガリア","I am in a universal pension fund (UPF, born 1960 or later)":"ユニバーサル年金基金に加入している（UPF、1960年以降生まれ）","A flat 10% on pay after the employee’s social and health contributions. Bulgaria adopted the euro on 1 January 2026 (1 € = 1.95583 lev). Minimum wage €620.20 a month.":"従業員の社会保険料と健康保険料を引いた給与に一律10%。ブルガリアは2026年1月1日にユーロを導入しました（1 € = 1.95583レフ）。最低賃金は月€620.20。","Social and health insurance":"社会保険と健康保険","Employees pay 13.78%: pension 8.78% (of which 2.2% goes to a universal pension fund for people born from 1960), sickness and maternity 1.4%, unemployment 0.4% and health 3.2%. Employers pay about 19%. Contributions stop above the maximum insurable income of €2,300 a month (from 1 August 2026; €2,111.64 before).":"従業員は13.78%を払います：年金8.78%（うち2.2%は1960年以降生まれのユニバーサル年金基金へ）、傷病・出産1.4%、失業0.4%、健康3.2%。雇用主は約19%。月€2,300（2026年8月1日から、それ以前は€2,111.64）の被保険所得上限を超えると保険料はかかりません。","Labour Code":"労働法典","Overtime pays at least 50% extra on working days, 75% on weekends and 100% on public holidays; night work pays at least 15% extra. Overtime is limited to 150 hours a year (300 by collective agreement).":"時間外労働は労働日に少なくとも50%、週末に75%、祝日に100%の割増。深夜労働は少なくとも15%の割増。時間外労働は年150時間（労働協約で300時間）まで。","Overtime pays contributions and the 10% tax like normal pay, up to the insurable maximum.":"時間外労働には被保険上限まで通常の給与と同様に保険料と10%の税金がかかります。","Freelancers in liberal professions deduct a statutory 25% for expenses and pay 10% tax on the rest after contributions. Contributions of 27.8% (pension and health; sickness and maternity optional) are due on a chosen income between €620.20 and €2,300 a month; here it follows your profit.":"自由業のフリーランスは経費として法定の25%を控除し、保険料を引いた残りに10%の税金を払います。27.8%の保険料（年金と健康、傷病・出産は任意）は月€620.20から€2,300の間で選んだ所得に対してかかります。ここでは利益に連動させています。","State pension":"国家年金","The pension is your average insurable income (relative to the national average) × years of service × 1.35%; each year worked after reaching the right adds 4%. In 2026 women need age 62 years 6 months and 36 years 10 months of service, men 64 years 9 months and 39 years 10 months; ages rise to 65 (men 2029, women 2037). Without enough service, the pension starts at 67 with 15 years.":"年金は、平均被保険所得（全国平均に対する比率）× 勤続年数 × 1.35%。受給権を得た後に働いた1年ごとに4%加算。2026年は女性が62歳6か月と勤続36年10か月、男性が64歳9か月と39年10か月。年齢は65歳に引き上げ（男性は2029年、女性は2037年）。勤続が足りない場合は15年で67歳から。","Limits and the second pillar":"上限と第2の柱","Minimum pension €347.51 from 1 July 2026 (€295.38 with incomplete service), maximum €1,738.40. People born from 1960 also save 5% in a universal pension fund (UPF); their state pension is reduced for those years and the fund pays a separate pension. Pensions are not taxed.":"最低年金は2026年7月1日から€347.51（勤続不足の場合は€295.38）、最高は€1,738.40。1960年以降生まれは5%をユニバーサル年金基金（UPF）にも積み立て、その期間の国家年金は減額され、基金が別に年金を支払います。年金は非課税です。","Voluntary pension fund (third pillar): contributions are deductible up to 10% of taxable income; payouts as a pension from retirement age are not taxed. Money taken out early loses the relief.":"任意年金基金（第3の柱）：拠出は課税所得の10%まで控除可能。退職年齢からの年金としての受け取りは非課税。早期に引き出すと控除は失われます。","St George’s Day":"聖ゲオルギウスの日","Day of Culture and Slavonic Alphabet":"スラヴ文字と文化の日","Unification Day":"統一記念日","Christmas Eve":"クリスマスイブ","Second day of Christmas":"クリスマス第2日","Good Friday (Orthodox)":"聖金曜日（正教会）","Holy Saturday":"聖土曜日","At least 20 working days of paid annual leave (more for some jobs and for people with disabilities). Public holidays follow the Orthodox Easter; a holiday on a weekend moves to the next working day.":"少なくとも20労働日の有給年次休暇（一部の職種と障害のある人はより多い）。祝日は正教会の復活祭に従い、週末に当たる祝日は次の労働日に移動します。","Pregnancy and birth leave":"妊娠・出産休暇","410 days (45 before the birth)":"410日（出産前45日）","90% of your average insurable income (NOI)":"平均被保険所得の90%（NOI）","Child-raising leave until age 2":"2歳までの育児休業","After the 410 days, until the child turns 2":"410日の後、子どもが2歳になるまで","Fixed monthly benefit (NOI)":"定額の月額給付（NOI）","15 days from the birth; up to 2 months more after the child is 6 months old":"出生から15日、子どもが6か月を過ぎた後にさらに最大2か月","90% of average insurable income":"平均被保険所得の90%","First 3 days paid by the employer, then by NOI":"最初の3日は雇用主が支給、その後NOI","70%, then 80% of average insurable income":"70%、その後平均被保険所得の80%","Dismissed: closure or staff cuts":"解雇：閉鎖または人員削減","Ending at retirement age":"退職年齢での雇用終了","Notice and compensation":"予告と補償","An indefinite contract ends with 30 days’ notice (up to 3 months by agreement); notice not given is paid. After dismissal for closure or staff cuts the employer pays up to one month’s pay while you are unemployed. On leaving at retirement age you get 2 months’ pay, or 6 months with 10 years at the same employer. Unused leave is paid.":"期間の定めのない契約は30日前の予告で終了（合意で最大3か月）。予告がなければその分が支払われます。閉鎖や人員削減による解雇の後、雇用主は失業中に最大1か月分の給与を支払います。退職年齢で辞める場合は給与2か月分、同じ雇用主で10年なら6か月分。未消化の休暇は支払われます。","60% of your average daily insurable income over the last 24 months, within a daily minimum and maximum set each year (about €9.21 and €54.78 in 2026), for 4 to 12 months depending on years insured. After resigning you get only the minimum for 4 months.":"過去24か月の平均日額被保険所得の60%で、毎年定められる1日の最低額と最高額（2026年は約€9.21と€54.78）の範囲内、加入年数に応じて4〜12か月。自己都合退職では最低額のみで4か月。","Contributions stop above €2,300 a month, so on a higher salary only the 10% tax applies to the extra.":"月€2,300を超えると保険料がかからないため、それより高い給与では超過分に10%の税金だけがかかります。","Tax relief for children and monthly child benefits (income-tested) are not included. Bulgaria taxes each person separately.":"子どもの税控除と毎月の児童手当（所得審査あり）は含まれません。ブルガリアでは各個人が個別に課税されます。","Notice in lieu + 1 month while unemployed":"予告に代わる支払い + 失業中の1か月","410 days at 90% of pay, then a fixed benefit to age 2":"410日は給与の90%、その後2歳まで定額給付","15 days at 90% (+2 months later)":"15日90%（+後で2か月）","Until age 2 with a fixed benefit":"2歳まで定額給付","70% for 3 days, then 80% (NOI)":"3日は70%、その後80%（NOI）","Annual tax and contributions for one employee with the 2026 rates, using the €2,300 contribution ceiling that applies from August. Child tax relief, other deductions and the work-accident rate of your employer are not modelled.":"2026年の料率と、8月から適用される€2,300の保険料上限を使った従業員1人の年間の税金と保険料です。子どもの税控除、その他の控除、雇用主の労災料率はモデル化していません。","Official sources: National Social Security Institute (NOI: contribution table, pension rules, average insurable income), National Revenue Agency, Labour Code, Council of Ministers Decree 243/2025 (minimum wage), Bulgarian National Bank, Eurostat.":"公式情報源：国家社会保険庁（NOI：保険料表、年金規則、平均被保険所得）、国家歳入庁、労働法典、閣僚会議令243/2025（最低賃金）、ブルガリア国立銀行、Eurostat。","Employee contributions on €2,000 a month":"月€2,000に対する従業員の保険料","Maximum monthly employee contributions (from August 2026)":"従業員の月額保険料の上限（2026年8月から）","Income tax on €2,000 a month":"月€2,000に対する所得税","Minimum pension from 1 July 2026":"2026年7月1日からの最低年金","Pension, man, 40 years, average insurable income €1,000 (no UPF)":"年金、男性、40年、平均被保険所得€1,000（UPFなし）","Women’s pension age in 2026 (years)":"2026年の女性の年金年齢（年）","Unemployment insurance 1.6%":"失業保険 1.6%","Income tax 22%":"所得税 22%","Basic exemption (€700 a month)":"基礎控除（月€700）","Employer social tax 33% + unemployment 0.8%":"雇用主の社会税33% + 失業0.8%","Social tax 33% (sole proprietor)":"社会税 33%（個人事業主）","Redundancy compensation from the employer (1 month)":"雇用主からの整理解雇補償（1か月）","Employment Contracts Act § 97":"雇用契約法第97条","Estonia":"エストニア","Funded pension (II pillar)":"積立年金（第2の柱）","Left the II pillar":"第2の柱から脱退した","My employer applies my basic exemption":"雇用主が基礎控除を適用している","A flat 22% (the planned rise to 24% was cancelled). Everyone has a basic exemption of €700 a month (€8,400 a year), no longer reduced for higher incomes; €776 a month at pension age. Only one employer applies it, on your written application.":"一律22%（予定されていた24%への引き上げは中止）。誰でも月€700（年€8,400）の基礎控除があり、高所得でも減額されなくなりました。年金受給年齢では月€776。書面による申請に基づき、1つの雇用主だけが適用します。","Employees pay 1.6% unemployment insurance and 2% to the funded pension (4% or 6% by choice, or none after leaving the second pillar). Employers pay 33% social tax (pension and health) and 0.8% unemployment insurance. Minimum wage €946 a month from 1 April 2026.":"従業員は1.6%の失業保険と2%の積立年金（選択で4%か6%、第2の柱から脱退すればなし）を払います。雇用主は33%の社会税（年金と健康）と0.8%の失業保険を払います。最低賃金は2026年4月1日から月€946。","Employment Contracts Act":"雇用契約法","Overtime is paid at 1.5 times the hourly wage unless compensated with time off; night work (22:00–06:00) pays at least 25% extra and public-holiday work double. Working time may not exceed 48 hours a week on average over 4 months.":"時間外労働は代休で補償しない限り時給の1.5倍で支払われます。深夜労働（22:00〜06:00）は少なくとも25%の割増、祝日の労働は2倍。労働時間は4か月平均で週48時間を超えてはなりません。","48 h / week on average":"平均週48時間","Sole proprietor (FIE)":"個人事業主（FIE）","Business profit pays 33% social tax (at least €292.38 a month) and 22% income tax after the basic exemption; social tax is deductible. An entrepreneur account (5% on turnover up to €40,000) is an alternative for small businesses and is not modelled.":"事業利益には33%の社会税（最低月€292.38）と、基礎控除後の22%の所得税がかかります。社会税は控除可能です。起業家口座（売上€40,000まで5%）は小規模事業の代替手段ですが、モデル化していません。","Base part €399.24 plus €10.477 for each year of service before 1999 and for each insurance component since (one component = social tax on an average wage for a year; from 2021 half of it is the same for everyone who earned at least the minimum wage). Values rise every 1 April.":"基礎部分€399.24に、1999年以前の勤続1年ごと、およびそれ以降の保険要素1つごとに€10.477を加算（1要素 = 1年間の平均賃金に対する社会税。2021年からは、その半分は最低賃金以上を稼いだすべての人で同じ）。額は毎年4月1日に引き上げ。","Age and tax":"年齢と税金","Pension age is 65 in 2026 and is linked to life expectancy from 2027. You need 15 years of service. A flexible pension can start up to 5 years early (−0.4% a month) or later (+0.9% a month). Pensions are taxed at 22% above €776 a month.":"年金年齢は2026年は65歳で、2027年から平均余命に連動します。勤続15年が必要。柔軟な年金は最大5年早く（月−0.4%）または遅く（月+0.9%）開始できます。年金は月€776を超える部分が22%で課税されます。","Voluntary third pillar: contributions are deductible up to 15% of income (max €6,000 a year). Withdrawals from age 60 are taxed at 10% (or tax-free as a lifelong annuity); earlier withdrawals at 22%.":"任意の第3の柱：拠出は所得の15%（年最大€6,000）まで控除可能。60歳からの引き出しは10%で課税（終身年金なら非課税）、それより前は22%。","Spring Day":"春の日","Pentecost":"聖霊降臨祭","Day of Restoration of Independence":"独立回復記念日","28 calendar days of paid annual leave (about 20 working days); public holidays falling within the leave extend it. The day before Independence Day, Victory Day, Christmas Eve and New Year’s Day is 3 hours shorter.":"28暦日の有給年次休暇（約20労働日）。休暇中に当たる祝日はその分延長されます。独立記念日、戦勝記念日、クリスマスイブ、元日の前日は3時間短縮。","Pregnancy and parental leave":"妊娠・育児休業","100 days for the mother, then 475 days of parental benefit shared until the child is 3":"母親に100日、その後子どもが3歳になるまで共有で475日の育児給付","100% of average earnings (capped at 3 times the average wage)":"平均収入の100%（平均賃金の3倍が上限）","30 days, any time until the child is 3":"30日、子どもが3歳になるまでいつでも","100% of average earnings":"平均収入の100%","Child leave":"子ども休暇","10 working days per parent until the child is 14":"子どもが14歳になるまで親1人につき10労働日","Paid at the minimum wage":"最低賃金で支給","The first day is unpaid; then the employer pays and later the Health Insurance Fund":"初日は無給、その後雇用主が支払い、後に健康保険基金","70% of average earnings":"平均収入の70%","Made redundant (lay-off)":"整理解雇（人員削減）","On redundancy the employer gives 15 days’ notice (under 1 year), 30 days (1–5 years), 60 days (5–10) or 90 days (10+), or pays for the missing days, and pays one month’s average wage as compensation. The Unemployment Insurance Fund adds one month for 5–10 years with the employer and two months for 10 or more.":"整理解雇の場合、雇用主は15日（1年未満）、30日（1〜5年）、60日（5〜10年）、90日（10年以上）の予告をするか、不足日数分を支払い、平均賃金1か月分を補償として支払います。失業保険基金は、雇用主での勤続5〜10年で1か月、10年以上で2か月分を追加します。","Unemployment insurance benefit":"失業保険給付","After at least 12 months of contributions in 3 years: 60% of your previous average daily wage for the first 100 days and 40% after, for 180 days (270 with 56 months of contributions, 360 with 110). It is taxable. People who resign get only the lower flat unemployment allowance.":"3年間に少なくとも12か月の保険料納付後：最初の100日は以前の平均日給の60%、その後40%、180日間（保険料納付56か月で270日、110か月で360日）。課税されます。自己都合退職の場合は、低い定額の失業手当のみ。","Without an application, your employer withholds tax from the first euro; you get the €700 monthly exemption back in your annual return.":"申請しないと雇用主は最初の1ユーロから源泉徴収します。月€700の控除は年間の確定申告で戻ってきます。","Child allowances from the Social Insurance Board are not included. Estonia taxes each person separately.":"社会保険庁の児童手当は含まれません。エストニアでは各個人が個別に課税されます。","Redundancy compensation":"整理解雇補償","100 days + 475 days shared at 100% of pay":"100日 + 共有475日、給与の100%","30 days at 100%":"30日100%","475 days shared until age 3":"3歳まで共有475日","Day 1 unpaid, then 70%":"初日は無給、その後70%","Annual tax for one employee whose employer applies the basic exemption, with the 2026 rates. Additional deductions (training, mortgage interest, donations) and family benefits are not modelled; employer social tax at the minimum base is ignored.":"雇用主が基礎控除を適用している従業員1人の、2026年の税率による年間の税額です。追加の控除（研修、住宅ローン利息、寄付）と家族給付はモデル化しておらず、最低基礎額での雇用主の社会税は考慮していません。","Official sources: Estonian Tax and Customs Board (EMTA tax rates 2026), Social Insurance Board (pension calculation, 1 April 2026 values), Unemployment Insurance Fund (Töötukassa), Employment Contracts Act, Statistics Estonia (average wage 2025), Eesti Pank, Eurostat.":"公式情報源：エストニア税関税務局（EMTAの2026年の税率）、社会保険庁（年金計算、2026年4月1日の値）、失業保険基金（Töötukassa）、雇用契約法、エストニア統計局（2025年の平均賃金）、Eesti Pank、Eurostat。","Income tax on €2,000 a month (2% funded pension)":"月€2,000に対する所得税（積立年金2%）","Basic exemption per year":"年間の基礎控除","Employee unemployment insurance on €2,000 a month":"月€2,000に対する従業員の失業保険","Pension with 40 average-wage years at 65 (per month)":"平均賃金で40年、65歳での年金（月額）","Notice for 7 years of service (days)":"勤続7年の予告（日）","Social insurance 7.1% (pension 6.5% + sickness 0.6%)":"社会保険 7.1%（年金6.5% + 傷病0.6%）","Health insurance 4.5%":"健康保険 4.5%","Child tax bonus paid to you":"支払われる子ども税ボーナス","Income tax 15% / 23% after credits":"控除後の所得税 15% / 23%","Taxpayer credit":"納税者控除","Child tax credits":"子ども税額控除","Employer contributions 24.8% + 9% health":"雇用主の保険料24.8% + 健康9%","Social 29.2% + health 13.5% (self-employed)":"社会29.2% + 健康13.5%（自営業者）","2 months":"2か月","minimum notice period (Labour Code § 51)":"最低予告期間（労働法典第51条）","None (by agreement)":"なし（合意による）","Severance pay":"退職金","Czechia":"チェコ","15% on gross pay up to CZK 1,762,812 a year (36 times the average wage) and 23% above, less the taxpayer credit of CZK 30,840. Child credits are CZK 15,204 for the first child, 22,320 for the second and 27,840 for each further child; above the tax they are paid out as a bonus.":"年CZK 1,762,812（平均賃金の36倍）までの総支給に15%、それを超える部分に23%、CZK 30,840の納税者控除を差し引き。子ども控除は第1子CZK 15,204、第2子22,320、以降1人につき27,840。税額を超える分はボーナスとして支払われます。","Insurance":"保険","Employees pay 7.1% social insurance (up to CZK 2,350,416 a year) and 4.5% health insurance (no cap); employers pay 24.8% and 9%. Average wage for 2026: CZK 48,967; minimum wage CZK 22,400.":"従業員は7.1%の社会保険（年CZK 2,350,416まで）と4.5%の健康保険（上限なし）を払い、雇用主は24.8%と9%を払います。2026年の平均賃金：CZK 48,967。最低賃金CZK 22,400。","Overtime pays at least 25% extra (or time off); night work at least 10% and weekend work at least 10% extra; public-holiday work 100% or a day off. Ordered overtime is limited to 150 hours a year (416 by agreement).":"時間外労働は少なくとも25%の割増（または代休）。深夜労働は少なくとも10%、週末労働も少なくとも10%の割増。祝日の労働は100%または代休。命じられた時間外労働は年150時間（合意で416時間）まで。","150 h / year ordered":"命令による年150時間","Self-employed (OSVČ)":"自営業者（OSVČ）","Profit (income less actual or flat-rate expenses of 40–80%) is taxed at 15% / 23% less the taxpayer credit. Social insurance is 29.2% of 55% of profit (at least CZK 5,720 a month for a main activity) and health insurance 13.5% of 50% of profit (minimum based on half the average wage). A flat-tax regime (paušální daň) is an alternative and is not modelled.":"利益（収入から実費または40〜80%の定率経費を引いた額）に15% / 23%を課税し、納税者控除を差し引き。社会保険は利益の55%の29.2%（本業では最低月CZK 5,720）、健康保険は利益の50%の13.5%（最低額は平均賃金の半分に基づく）。定額税制度（paušální daň）は代替手段ですが、モデル化していません。","Basic amount CZK 4,900 plus a percentage amount: your average earnings are reduced (99% up to CZK 21,546, 26% up to CZK 195,868, nothing above) and each year of insurance adds 1.495% (pensions awarded in 2026; falling to 1.45% and 90% by 2035). Minimum pension CZK 9,800. Pensions rise each January.":"基本額CZK 4,900に割合部分を加算：平均収入を減額し（CZK 21,546まで99%、CZK 195,868まで26%、それを超える部分はなし）、保険1年ごとに1.495%を加算（2026年に裁定される年金。2035年までに1.45%と90%に低下）。最低年金CZK 9,800。年金は毎年1月に引き上げ。","Age and years":"年齢と年数","You need 35 years of insurance. Pension age is 65 for people born up to 1965 and rises by one month per birth year to 67 for those born from 1989. An early pension is possible up to 3 years before with 40 years (reduced 1.5% of the base per 90 days); each 90 days worked after the age adds 1.5%.":"35年の保険期間が必要です。年金年齢は1965年までの生まれで65歳、生年1年ごとに1か月ずつ上がり、1989年以降生まれで67歳。40年加入なら最大3年早く繰上げ可能（90日ごとに基礎額の1.5%減額）。年齢以降に働いた90日ごとに1.5%加算。","Supplementary pension savings (doplňkové penzijní spoření): the state adds 20% of monthly contributions between CZK 500 and 1,700, and contributions above that are tax-deductible. A pension paid for at least 10 years is tax-free; a lump sum pays 15% on the returns (shown here as about 5% of the balance).":"補足年金貯蓄（doplňkové penzijní spoření）：国が月CZK 500から1,700の拠出に20%を上乗せし、それを超える拠出は税控除の対象です。10年以上支払われる年金は非課税、一時金は運用益に15%（ここでは残高の約5%として表示）。","New Year’s Day / Restoration of the Czech State":"元日・チェコ国家再建の日","Saints Cyril and Methodius":"聖キュリロスと聖メトディオス","Jan Hus Day":"ヤン・フスの日","Czech Statehood Day":"チェコ国家の日","Freedom and Democracy Day":"自由と民主主義の日","At least 4 weeks of paid annual leave (5 weeks in the public sector, often 5 by collective agreement). Leave is counted in hours since 2021. Public holidays on a weekend are not moved.":"少なくとも4週間の有給年次休暇（公共部門は5週間、労働協約でも5週間のことが多い）。2021年から休暇は時間単位で数えます。週末の祝日は振り替えられません。","28 weeks (37 for twins), from 6–8 weeks before the birth":"28週（双子は37週）、出産6〜8週前から","70% of the reduced daily assessment base (ČSSZ)":"減額した日額算定基礎の70%（ČSSZ）","2 weeks within 6 weeks of the birth":"出産後6週以内に2週間","70% of the reduced daily base":"減額した日額基礎の70%","Parental leave and allowance":"育児休業と育児手当","Until the child is 3; parental allowance up to CZK 350,000 in total, paid at a chosen pace":"子どもが3歳になるまで。育児手当は総額最大CZK 350,000、選んだペースで支給","Job protected":"雇用は保護","First 14 days paid by the employer, then sickness benefit from ČSSZ":"最初の14日は雇用主が支給、その後ČSSZの傷病手当","60% of reduced average earnings, rising to 72% after 60 days":"減額した平均収入の60%、60日後に72%に上昇","Dismissed for organisational reasons":"組織上の理由による解雇","Ended by agreement for organisational reasons":"組織上の理由による合意解約","Notice and severance":"予告と退職金","The notice period is at least 2 months for both sides. On dismissal or agreement for organisational reasons, severance pay is one month’s average earnings with under 1 year of service, two months with 1–2 years and three months with 2 years or more (more by collective agreement). Severance is taxed but free of insurance.":"予告期間は双方とも少なくとも2か月。組織上の理由による解雇または合意の場合、退職金は勤続1年未満で平均収入1か月分、1〜2年で2か月分、2年以上で3か月分（労働協約ではより多い）。退職金は課税されますが、保険料はかかりません。","Unemployment benefit (from 2026)":"失業給付（2026年から）","80% of your previous average net earnings at first, then 50% and finally 40%: 5 months under 52, 8 months at 52–57 and 11 months over 57; at most 80% of the national average wage. The amount no longer depends on why the job ended; payments start after the months covered by severance. Benefits are tax-free.":"最初は以前の平均手取り収入の80%、その後50%、最後に40%：52歳未満は5か月、52〜57歳は8か月、57歳超は11か月。全国平均賃金の80%が上限。金額は雇用終了の理由に左右されなくなり、支払いは退職金でカバーされる月数の後に始まります。給付は非課税です。","A spouse with income under CZK 68,000 a year and a child under 3 gives an extra CZK 24,840 credit (not modelled).":"年収CZK 68,000未満の配偶者と3歳未満の子どもがいると、追加でCZK 24,840の控除があります（モデル化していません）。","Child tax credits are included in the tax above. Spouses file separately.":"子ども税額控除は上の税額に含まれています。配偶者は別々に申告します。","28 weeks at 70% of reduced pay":"28週、減額した給与の70%","2 weeks at 70%":"2週間70%","Until age 3, allowance up to CZK 350,000":"3歳まで、手当は最大CZK 350,000","60% from day 1 (employer for 14 days)":"初日から60%（14日間は雇用主）","Annual tax for one employee with the 2026 rates, the taxpayer credit and child credits. The spouse credit, student and disability credits, and other deductions (mortgage interest, donations, unions) are not modelled.":"2026年の税率、納税者控除、子ども控除を適用した従業員1人の年間の税額です。配偶者控除、学生控除、障害者控除、その他の控除（住宅ローン利息、寄付、組合）はモデル化していません。","Official sources: Czech Social Security Administration (ČSSZ overview of 2026 figures), Labour Office of the Czech Republic (unemployment benefit changes from 1 January 2026), Ministry of Labour and Social Affairs, Financial Administration, Czech National Bank, Eurostat.":"公式情報源：チェコ社会保障局（ČSSZの2026年の数値の概要）、チェコ労働事務所（2026年1月1日からの失業給付の変更）、労働社会問題省、財務行政局、チェコ国立銀行、Eurostat。","Income tax on CZK 50,000 a month, no children":"月CZK 50,000に対する所得税、子どもなし","Employee insurance on CZK 50,000 a month":"月CZK 50,000に対する従業員の保険","23% threshold for 2026 (per year)":"2026年の23%の基準額（年額）","Pension, 40 years, average earnings CZK 40,000 (awarded 2026)":"年金、40年、平均収入CZK 40,000（2026年裁定）","Minimum old-age pension 2026":"2026年の最低老齢年金","Severance after 5 years (months of pay)":"5年後の退職金（給与の月数）","Minimum monthly social insurance advance, main activity":"本業の月額社会保険前払いの最低額","Social security 18.5% (pension 10%, health 7%, labour market 1.5%)":"社会保障18.5%（年金10%、健康7%、労働市場1.5%）","Family allowance used against contributions":"保険料に充当した家族控除","Personal income tax 15%":"個人所得税 15%","Family tax allowance (base reduction)":"家族税控除（課税ベースの減額）","Employer social contribution tax 13%":"雇用主の社会拠出税 13%","Social security 18.5% + social contribution tax 13%":"社会保障18.5% + 社会拠出税13%","Labour Code § 69":"労働法典第69条","Hungary":"ハンガリー","Mothers’ income-tax exemption":"母親の所得税免除","Not applicable":"該当なし","Mother of 2 children, born 1986 or later":"1986年以降生まれの子ども2人の母親","Mother of 3 or more children":"子ども3人以上の母親","Income tax and allowances":"所得税と控除","A flat 15%. The family allowance reduces the tax base per child each month by HUF 133,340 (1 child), 266,660 each (2 children) or 440,000 each (3 or more) in 2026; whatever cannot be used against tax reduces your contributions. People under 25 pay no income tax on pay up to HUF 715,765 a month, and mothers of three (from October 2025) or of two born from 1986 (from 2026) pay none at all.":"一律15%。家族控除により、2026年は子ども1人につき毎月の課税ベースが133,340フォリント（子ども1人）、各266,660（子ども2人）、各440,000（3人以上）減ります。税金から控除しきれない分は保険料を減らします。25歳未満は月715,765フォリントまでの給与に所得税がかからず、子ども3人の母親（2025年10月から）と1986年以降生まれの子ども2人の母親（2026年から）は所得税を一切払いません。","Employees pay 18.5% social security (10% pension, 7% health, 1.5% labour market) with no ceiling; employers pay 13% social contribution tax. Minimum wage HUF 322,800 and guaranteed minimum wage HUF 373,200 a month in 2026.":"従業員は上限なしで18.5%の社会保障（年金10%、健康7%、労働市場1.5%）を払い、雇用主は13%の社会拠出税を払います。2026年の最低賃金は月322,800フォリント、保証最低賃金は月373,200フォリント。","Overtime pays 50% extra (or time off), 100% on a rest day without a day off in lieu; shift work after 18:00 pays 30% and night work 15% extra. Overtime is limited to 250 hours a year (up to 400 by agreement).":"時間外労働は50%の割増（または代休）、代休なしの休日は100%。18:00以降のシフト労働は30%、深夜労働は15%の割増。時間外労働は年250時間（合意で最大400時間）まで。","Flat-rate sole trader (átalányadó)":"定額課税の個人事業主（átalányadó）","Income is revenue less a flat 40% cost ratio (80–90% for some trades and shops); income up to half the annual minimum wage is free of tax and contributions. Then 15% income tax, 18.5% social security (at least on the minimum wage) and 13% social contribution tax (at least on 112.5% of it).":"所得は収入から一律40%の経費率（一部の業種や店舗は80〜90%）を引いた額で、年間最低賃金の半分までの所得には税金も保険料もかかりません。その後、15%の所得税、18.5%の社会保障（最低賃金が下限）、13%の社会拠出税（その112.5%が下限）。","From age 65. The pension is a percentage of your net average monthly earnings since 1988 (revalued): 43% for 15 years, 53% for 20, 63% for 25, 68% for 30, 74% for 36, 80% for 40 and 2% more for each further year. The part of the average above HUF 372,000 counts at 90% and above 421,000 at 80%. Minimum HUF 28,500.":"65歳から。年金は1988年以降の平均手取り月収（再評価）に対する割合です：15年で43%、20年で53%、25年で63%、30年で68%、36年で74%、40年で80%、以降1年ごとに2%加算。平均のうち372,000フォリントを超える部分は90%、421,000を超える部分は80%で算入。最低28,500フォリント。","Pensions rise each January with expected inflation and a 13th monthly pension is paid in February. Women with 40 years of eligible time can retire at any age. Working beyond 65 without drawing the pension adds 0.5% a month. Pensions are not taxed.":"年金は毎年1月に予想インフレ率で引き上げられ、2月に13か月目の年金が支払われます。対象期間40年の女性は年齢を問わず退職できます。年金を受け取らずに65歳を過ぎて働くと月0.5%加算。年金は非課税です。","Voluntary pension fund (önkéntes nyugdíjpénztár): the state refunds 20% of contributions into the account (up to HUF 150,000 a year). Money taken at retirement age is tax-free; earlier withdrawals lose the credit.":"任意年金基金（önkéntes nyugdíjpénztár）：国が拠出額の20%を口座に還付します（年最大150,000フォリント）。退職年齢で受け取るお金は非課税、早期に引き出すと控除は失われます。","National Day (1848 revolution)":"建国記念日（1848年革命）","1956 Revolution Day":"1956年革命記念日","20 working days of basic leave plus extra days by age (1 day from 25 rising to 10 days from 45), 2/4/7 days for 1/2/3+ children under 16, and 5 days for young workers under 18. Some bridge days are worked on a Saturday instead.":"基本休暇20労働日に年齢による追加日（25歳から1日、45歳から10日まで増加）、16歳未満の子ども1/2/3人以上で2/4/7日、18歳未満の若年労働者に5日。一部の連休の間の日は代わりに土曜に勤務します。","Maternity leave (CSED)":"出産休暇（CSED）","24 weeks":"24週","100% of average daily earnings":"平均日額収入の100%","Childcare fee (GYED)":"育児手当（GYED）","After the 24 weeks until the child is 2":"24週の後、子どもが2歳になるまで","70% of earnings (capped)":"収入の70%（上限あり）","10 working days within 2 months of the birth":"出産後2か月以内に10労働日","Extra leave for children":"子どものための追加休暇","2 days (1 child), 4 (2) or 7 (3+) under 16 each year":"16歳未満の子ども1人で2日、2人で4日、3人以上で7日（毎年）","15 working days a year paid by the employer, then sickness benefit":"年15労働日は雇用主が支給、その後傷病手当","70%, then 50–60%":"70%、その後50〜60%","Dismissed by the employer (not for misconduct)":"雇用主による解雇（不正行為以外）","Notice is 30 days plus 5 days after 3 years, 15 after 5, 20 after 8, 25 after 10, 30 after 15, 40 after 18 and 60 after 20 years; at least half of it is free from work with pay. Severance is 1 month after 3 years, 2 after 5, 3 after 10, 4 after 15, 5 after 20 and 6 after 25 years, with up to 3 months more within 5 years of pension age.":"予告は30日に、3年後5日、5年後15日、8年後20日、10年後25日、15年後30日、18年後40日、20年後60日を加算。少なくともその半分は有給で勤務免除。退職金は3年後1か月、5年後2か月、10年後3か月、15年後4か月、20年後5か月、25年後6か月、年金年齢まで5年以内ならさらに最大3か月。","Jobseeker’s allowance":"求職者手当","60% of previous average earnings, at most the minimum wage (HUF 322,800 a month in 2026), for one day per 10 days insured in the last 3 years: at most 90 days.":"以前の平均収入の60%、最低賃金（2026年は月322,800フォリント）が上限、過去3年間の保険加入10日につき1日、最大90日。","Under 25 you pay no income tax on pay up to HUF 715,765 a month; contributions still apply.":"25歳未満は月715,765フォリントまでの給与に所得税がかかりません。保険料は引き続きかかります。","If both parents work they can share the family allowance, which helps when one income is too low to use it fully.":"両親とも働いていれば家族控除を分け合えるため、一方の収入が少なくて控除しきれない場合に役立ちます。","The family tax allowance is included above; the monthly family allowance (családi pótlék) is not. Parents can share the allowance between them.":"家族税控除は上に含まれていますが、毎月の家族手当（családi pótlék）は含まれていません。両親は控除を分け合えます。","24 weeks at 100%, then 70% until age 2":"24週100%、その後2歳まで70%","10 working days":"10労働日","Until age 3 (GYED to 2, GYES flat to 3)":"3歳まで（GYEDは2歳まで、GYESは3歳まで定額）","70% for 15 days, then 50–60%":"15日間70%、その後50〜60%","Annual tax for one employee with the 2026 rules, the family allowance (claimed by you alone), the under-25 exemption and the mothers’ exemptions. The first-marriage and personal (disability) allowances and the under-30 mothers’ allowance are not modelled.":"2026年の規則、家族控除（本人のみが申請）、25歳未満の免除、母親の免除を適用した従業員1人の年間の税額です。初婚控除、個人（障害者）控除、30歳未満の母親の控除はモデル化していません。","Official sources: National Tax and Customs Administration (NAV: tax-base allowances 2026), Hungarian State Treasury (pension calculation), Government Decree 426/2025 (minimum wages), Labour Code, Magyar Nemzeti Bank, Eurostat.":"公式情報源：国家税関税務庁（NAV：2026年の課税ベース控除）、ハンガリー国庫（年金計算）、政府令426/2025（最低賃金）、労働法典、Magyar Nemzeti Bank、Eurostat。","Net pay on HUF 700,000 a month, no children":"月700,000フォリントに対する手取り、子どもなし","Monthly tax saving of the family allowance, 2 children":"家族控除による毎月の節税額、子ども2人","Income tax at age 23 on HUF 600,000 a month":"23歳で月600,000フォリントに対する所得税","Pension, 40 years, net average HUF 500,000 (gross 751,880)":"年金、40年、平均手取り500,000フォリント（総支給751,880）","Severance after 12 years at age 45 (months)":"45歳で12年後の退職金（月）","Notice after 16 years (days)":"16年後の予告（日）","Local transfer tax (0.1–3% set by each municipality; 3% used, as in Sofia)":"地方の移転税（各市町村が0.1〜3%を設定、ソフィアと同じ3%を使用）","Notary, registry and agency fees (estimate, about 1%)":"公証人、登記、仲介の手数料（推計、約1%）","No transfer tax; notary fee and land-registry state fee (estimate, about 0.6%)":"移転税なし。公証人手数料と土地登記の国の手数料（推計、約0.6%）","Real estate acquisition tax (abolished in 2020)":"不動産取得税（2020年に廃止）","Land registry entry fee":"土地登記の手数料","Valuation, contract and escrow (estimate)":"鑑定、契約、エスクロー（推計）","Transfer duty 2% (first home under 35, value up to HUF 15 million: half the 4%)":"移転税2%（35歳未満の最初の住宅、価値1,500万フォリントまで：4%の半分）","Property transfer duty 4%":"不動産移転税 4%","Lawyer and land registry (estimate, about 1%)":"弁護士と土地登記（推計、約1%）","Mortgage interest is deductible from the tax base up to CZK 150,000 a year per household (loans from 2021), worth 15%":"住宅ローン利息は世帯あたり年CZK 150,000まで課税ベースから控除可能（2021年以降のローン）、15%相当","Not modelled: only young married couples (under 35) with a child can deduct interest on the first €51,129 of a loan for their only home.":"モデル化していません：子どもがいる若い夫婦（35歳未満）だけが、唯一の住宅のためのローンの最初の€51,129に対する利息を控除できます。","No interest relief is modelled.":"利息控除はモデル化していません。","No tax relief on mortgage interest; subsidised loans (such as the 3% Otthon Start loan) are not modelled.":"住宅ローン利息に税控除はありません。補助付きローン（3%のOtthon Startローンなど）はモデル化していません。","Bulgarian National Bank, binding since October 2024: loan at most 85% of the value, payments at most 50% of net income, at most 30 years; banks may exceed the limits for a small share of loans.":"ブルガリア国立銀行、2024年10月から拘束力あり：ローンは価値の最大85%、返済額は手取り収入の最大50%、期間は最長30年。銀行はローンの一部について上限を超えることができます。","Eesti Pank: loan at most 85% of the value (90% with a state KredEx guarantee), payments at most 50% of net income at an interest rate of at least 6%, at most 30 years; 15% of loans may exceed.":"Eesti Pank：ローンは価値の最大85%（国のKredEx保証で90%）、金利6%以上での返済額が手取り収入の最大50%、期間は最長30年。ローンの15%は超えることができます。","Czech National Bank: binding loan-to-value limit of 80%, or 90% for buyers under 36 (shown here for first-time buyers); debt and payment ratios are only recommendations.":"チェコ国立銀行：拘束力のある借入比率の上限は80%、36歳未満の購入者は90%（ここでは初回購入者向けに表示）。債務と返済の比率は推奨にとどまります。","Magyar Nemzeti Bank: loan at most 80% of the value (90% for first-time buyers under 41); payments at most 50% of net income (60% for higher incomes with long fixed rates).":"Magyar Nemzeti Bank：ローンは価値の最大80%（41歳未満の初回購入者は90%）。返済額は手取り収入の最大50%（長期固定金利の高所得者は60%）。","PCC tax on a PLN 600,000 resale home (not a first home)":"PLN 600,000の中古住宅（最初の住宅以外）に対するPCC税","ZUS social insurance 13.71% (pension 9.76%, disability 1.5%, sickness 2.45%)":"ZUS社会保険 13.71%（年金9.76%、障害1.5%、傷病2.45%）","Health insurance 9% (NFZ)":"健康保険 9%（NFZ）","Refund of unused child relief":"未使用の子ども控除の還付","Income tax (PIT 12% / 32%)":"所得税（PIT 12% / 32%）","Youth relief: income exempt under 26":"若者控除：26歳未満は所得免除","Child tax relief":"子ども税控除","Employer contributions about 20.5%":"雇用主の保険料 約20.5%","ZUS social insurance + health insurance (sole proprietor)":"ZUS社会保険 + 健康保険（個人事業主）","2 weeks":"2週間","Severance (odprawa)":"退職金（odprawa）","Labour Code art. 36":"労働法典第36条","Poland":"ポーランド","Tax form":"課税方式","Flat tax 19% (podatek liniowy)":"一律税19%（podatek liniowy）","Tax scale 12% / 32%":"税率表 12% / 32%","Lump sum on revenue 12% (e.g. IT services)":"売上に対する定額税12%（例：ITサービス）","My employer has fewer than 20 employees (no statutory severance)":"雇用主の従業員が20人未満（法定退職金なし）","Income tax (PIT) 2026":"所得税（PIT）2026年","12% up to PLN 120,000 a year and 32% above, less the tax-reducing amount of PLN 3,600 (a tax-free PLN 30,000). Standard employee costs of PLN 250 a month are deducted. People under 26 pay no PIT on employment income up to PLN 85,528 a year. Child relief: PLN 1,112.04 a year for each of the first two children (for one child only with income up to PLN 112,000), PLN 2,000.04 for the third and PLN 2,700 for each further child; unused relief is refunded up to your contributions.":"年PLN 120,000まで12%、それを超える部分は32%、PLN 3,600の税額軽減（PLN 30,000が非課税）を差し引き。月PLN 250の標準的な従業員経費を控除。26歳未満は年PLN 85,528までの給与所得にPITがかかりません。子ども控除：最初の2人はそれぞれ年PLN 1,112.04（子ども1人の場合は所得PLN 112,000まで）、第3子はPLN 2,000.04、以降1人につきPLN 2,700。使いきれない控除は保険料の額まで還付されます。","ZUS and health insurance":"ZUSと健康保険","Employees pay 9.76% pension and 1.5% disability contributions up to PLN 282,600 a year (30 times the forecast average wage of PLN 9,420), 2.45% sickness and 9% health insurance on pay after ZUS; the health contribution is no longer deductible. Employers pay about 20.5% (pension 9.76%, disability 6.5%, accident about 1.67%, Labour Fund 2.45%, FGŚP 0.1%). Minimum wage PLN 4,806 a month.":"従業員は年PLN 282,600（予測平均賃金PLN 9,420の30倍）まで9.76%の年金保険料と1.5%の障害保険料、2.45%の傷病保険料、ZUS控除後の給与に9%の健康保険料を払います。健康保険料はもう控除できません。雇用主は約20.5%（年金9.76%、障害6.5%、労災約1.67%、労働基金2.45%、FGŚP 0.1%）。最低賃金は月PLN 4,806。","Overtime pays 50% extra, and 100% at night, on Sundays, on public holidays and on days off; night work adds 20% of the minimum hourly wage. Overtime is limited to 150 hours a year (up to 416 by agreement) and 48 hours a week on average.":"時間外労働は50%の割増、深夜、日曜、祝日、休日は100%。深夜労働には最低時給の20%が加算されます。時間外労働は年150時間（合意で最大416時間）、平均週48時間まで。","Sole proprietor (JDG)":"個人事業主（JDG）","Social ZUS is paid on PLN 5,652.60 a month in 2026 (about PLN 1,788 without the voluntary sickness insurance; reduced rates apply in the first years). Health insurance depends on the tax form: 9% of income on the scale, 4.9% with the 19% flat tax (deductible up to PLN 14,100), or fixed amounts with the lump sum; at least PLN 432.54 a month. VAT and reliefs for starting a business are not modelled.":"社会保険ZUSは2026年は月PLN 5,652.60に対して払います（任意の傷病保険なしで約PLN 1,788、最初の数年は軽減料率）。健康保険は課税方式によって異なります：税率表なら所得の9%、一律税19%なら4.9%（PLN 14,100まで控除可能）、定額税なら固定額。最低で月PLN 432.54。VATと開業時の優遇はモデル化していません。","ZUS old-age pension":"ZUS老齢年金","For people born after 1948 the pension is the indexed capital on your ZUS account and sub-account (19.52% of pay) divided by the average further life expectancy at your age (GUS table, e.g. 268.9 months at 60 and 222.7 at 65 from 1 April 2026). Pension age is 60 for women and 65 for men; each year you work longer raises the pension noticeably.":"1948年以降生まれの場合、年金はZUSの口座とサブ口座（給与の19.52%）の指数化された資本を、その年齢の平均余命（GUSの表、2026年4月1日から60歳で268.9か月、65歳で222.7か月など）で割った額です。年金年齢は女性60歳、男性65歳。長く働くほど年金は大きく増えます。","Minimum, tax and extras":"最低額、税金、加算","The minimum pension is PLN 1,978.49 from 1 March 2026 (after the 5.3% indexation), with 20 years of contributions for women and 25 for men. Pensions pay 9% health insurance and income tax on the scale. A 13th pension is paid every April and a 14th, income-tested, in the autumn.":"最低年金は2026年3月1日からPLN 1,978.49（5.3%の指数化後）、女性は20年、男性は25年の保険料納付が必要。年金には9%の健康保険料と税率表による所得税がかかります。毎年4月に13か月目の年金、秋に所得審査付きの14か月目が支払われます。","Employee Capital Plans (PPK): you pay 2% of gross pay and your employer 1.5% (both can go up to 4%); the state adds PLN 250 at the start and PLN 240 a year. From age 60 you can take 25% at once and the rest in at least 120 monthly instalments without capital-gains tax (19% on gains otherwise). You can opt out.":"従業員資本プラン（PPK）：本人が総支給の2%、雇用主が1.5%を払います（どちらも4%まで可）。国は開始時にPLN 250、毎年PLN 240を加えます。60歳からは25%を一括で、残りを少なくとも120回の月払いで受け取れば、キャピタルゲイン税はかかりません（それ以外は利益に19%）。脱退も可能です。","Corpus Christi":"聖体の祝日","20 working days a year with under 10 years of seniority and 26 days after; school and university count towards the 10 years (up to 8 years for a degree). Christmas Eve has been a public holiday since 2025. A public holiday on a Saturday gives you another day off.":"勤続10年未満は年20労働日、それ以降は26日。学校と大学は10年に算入されます（学位で最大8年）。クリスマスイブは2025年から祝日。土曜に当たる祝日には別の休日が与えられます。","20 weeks":"20週","100% of pay (or 81.5% for the whole year if chosen up front)":"給与の100%（事前に選べば1年間を通して81.5%）","41 weeks (9 of them reserved for each parent)":"41週（うち9週は親それぞれに割り当て）","70% of pay (81.5% with the up-front option)":"給与の70%（事前選択なら81.5%）","2 weeks until the child is 1":"子どもが1歳になるまでに2週間","100% of pay":"給与の100%","800+ child benefit":"800+児童手当","PLN 800 a month for every child under 18":"18歳未満の子ども1人につき月PLN 800","Not taxed, not income-tested":"非課税、所得審査なし","First 33 days paid by the employer (14 from age 50), then ZUS sickness benefit":"最初の33日は雇用主が支給（50歳からは14日）、その後ZUSの傷病手当","80% of pay (100% in pregnancy)":"給与の80%（妊娠中は100%）","Dismissed for reasons not concerning me (redundancy)":"本人に関係のない理由による解雇（整理解雇）","Dismissed with notice for other reasons":"その他の理由による予告付きの解雇","Notice for an open-ended contract is 2 weeks under 6 months of service, 1 month under 3 years and 3 months after that, for both sides. When an employer with 20 or more staff dismisses you for reasons not concerning you, severance (odprawa) is 1 month’s pay under 2 years, 2 months for 2–8 years and 3 months after 8 years, capped at 15 minimum wages (PLN 72,090). Severance is taxed but free of ZUS.":"期間の定めのない契約の予告は、勤続6か月未満で2週間、3年未満で1か月、それ以降は3か月、双方同じ。従業員20人以上の雇用主が本人に関係のない理由で解雇した場合、退職金（odprawa）は2年未満で給与1か月分、2〜8年で2か月分、8年後で3か月分、上限は最低賃金15倍（PLN 72,090）。退職金は課税されますが、ZUSはかかりません。","A flat benefit from the labour office after 365 days of work in the last 18 months: PLN 1,783.90 a month for the first 90 days and PLN 1,400.90 after (from 1 June 2026), 20% more with 20 years of work; usually for 6 months. After resigning without a good reason it starts after 90 days.":"過去18か月に365日働いた後の労働事務所からの定額給付：最初の90日は月PLN 1,783.90、その後PLN 1,400.90（2026年6月1日から）、就労20年なら20%増。通常は6か月。正当な理由のない自己都合退職では90日後に開始。","Under 26 you pay no PIT on pay up to PLN 85,528 a year (ZUS and health insurance still apply).":"26歳未満は年PLN 85,528までの給与にPITがかかりません（ZUSと健康保険は引き続きかかります）。","If you commute from another town, employee costs rise to PLN 300 a month (not modelled).":"他の町から通勤する場合、従業員経費は月PLN 300になります（モデル化していません）。","The 800+ benefit (PLN 800 a month per child under 18) is shown separately from pay. Married couples can file jointly, which lowers the tax when one earns much more than the other (not modelled here).":"800+給付（18歳未満の子ども1人につき月PLN 800）は給与とは別に表示しています。夫婦は合算申告でき、一方の収入がもう一方よりずっと多い場合に税金が下がります（ここではモデル化していません）。","20 weeks at 100% + 41 weeks parental at 70% (or 81.5% throughout)":"20週100% + 育児41週70%（または全期間81.5%）","2 weeks at 100%":"2週間100%","41 weeks shared (9 reserved per parent)":"共有41週（親それぞれ9週を割り当て）","80% (employer 33 days, then ZUS)":"80%（雇用主33日、その後ZUS）","Annual PIT, ZUS and health insurance for one employee on an employment contract (umowa o pracę) with the 2026 rules and standard costs. Joint filing, the relief for returning emigrants, working pensioners and families with 4+ children, and civil-law contracts are not modelled.":"2026年の規則と標準経費による、雇用契約（umowa o pracę）の従業員1人の年間のPIT、ZUS、健康保険です。合算申告、帰国移民、働く年金受給者、子ども4人以上の家族への控除、民法上の契約はモデル化していません。","Official sources: Ministry of Finance (PIT Act, health-contribution deduction limit 2026), ZUS (contribution bases 2026, pension rules, minimum pension), GUS (life expectancy table from 1 April 2026), Ministry of Family, Labour and Social Policy (forecast average wage, minimum wage, unemployment benefit from 1 June 2026), Labour Code, KNF Recommendation S, Eurostat.":"公式情報源：財務省（PIT法、2026年の健康保険料控除上限）、ZUS（2026年の保険料算定基礎、年金規則、最低年金）、GUS（2026年4月1日からの平均余命表）、家族・労働・社会政策省（予測平均賃金、最低賃金、2026年6月1日からの失業給付）、労働法典、KNF勧告S、Eurostat。","Net pay on PLN 9,000 a month (no children, over 26)":"月PLN 9,000に対する手取り（子どもなし、26歳超）","PIT on a tax base of PLN 150,000":"課税ベースPLN 150,000に対するPIT","PIT at age 24 on PLN 80,000 a year":"24歳で年PLN 80,000に対するPIT","Child relief for 2 children (per year)":"子ども2人の子ども控除（年額）","Maximum employee pension + disability contributions 2026":"2026年の従業員の年金 + 障害保険料の上限","Pension from PLN 500,000 of capital at 65":"65歳での資本PLN 500,000からの年金","Minimum pension from 1 March 2026":"2026年3月1日からの最低年金","Severance after 10 years (months of pay)":"10年後の退職金（給与の月数）","Unemployment benefit, first 90 days (per month)":"失業給付、最初の90日（月額）","Sole proprietor social ZUS per month (without sickness)":"個人事業主の月額社会保険ZUS（傷病なし）","800+ benefit, 2 children (per year)":"800+給付、子ども2人（年額）","Civil-law transactions tax: first home bought on the secondary market is exempt (since 2023)":"民法上の取引税：中古市場で購入する最初の住宅は免除（2023年から）","Civil-law transactions tax (PCC) 2% (resale home)":"民法上の取引税（PCC）2%（中古住宅）","Notary fee at the maximum tariff + 23% VAT (estimate; often negotiated lower)":"最高料金での公証人手数料 + VAT 23%（推計。交渉で下がることが多い）","Land and mortgage register court fees (PLN 200 + 200)":"土地・抵当登記裁判所の手数料（PLN 200 + 200）","No relief: the mortgage interest deduction ended for loans taken after 2006.":"控除なし：住宅ローン利息控除は2006年以降に借りたローンについて終了。","KNF Recommendation S: loan up to 80% of the value, or 90% with extra security such as low-deposit insurance; payments should not exceed 40% of net income (50% for above-average incomes). A state guarantee lets first-time buyers borrow with less own money.":"KNF勧告S：ローンは価値の80%まで、または低頭金保険などの追加担保で90%まで。返済額は手取り収入の40%（平均を上回る所得では50%）を超えないことが望まれます。国の保証で初回購入者は自己資金が少なくても借りられます。","Your PPK":"あなたのPPK","Legal minimum annual leave after 6 months of service":"勤続6か月後の法定最低年次休暇","Maximum agent fee on a ¥40 million home":"4,000万円の住宅に対する仲介手数料の上限","Housing loan credit on a ¥30 million loan (income ¥8 million)":"3,000万円のローンに対する住宅ローン控除（年収800万円）","Mandatory rest days on weekdays in 2026":"2026年の平日の休日","Legal minimum paid holidays in the first year":"1年目の法定最低有給休暇","Health insurance 4.925% + care insurance 0.81% + child-support levy 0.115% (Tokyo)":"健康保険 4.925% + 介護保険 0.81% + 子ども・子育て支援金 0.115%（東京）","Health insurance 4.925% + child-support levy 0.115% (Tokyo)":"健康保険 4.925% + 子ども・子育て支援金 0.115%（東京）","Employees’ pension insurance 9.15%":"厚生年金保険 9.15%","Employment insurance 0.5%":"雇用保険 0.5%","Income tax (incl. 2.1% reconstruction surtax)":"所得税（復興特別所得税2.1%を含む）","Resident tax 10% (prefecture + city)":"住民税 10%（都道府県 + 市区町村）","Employment income after the employment income deduction":"給与所得控除後の給与所得","Bonuses included in your yearly pay":"年収に含まれる賞与","Employer social insurance (about 16%)":"雇用主の社会保険料（約16%）","Basic pension {k} a month ({y} of 40 years) plus the employees’ pension {h} (5.481/1000 of your average monthly pay up to ¥650,000, times the months insured, in today’s money). The pension starts at 65; from 60 it is cut by 0.4% a month and up to 75 it rises by 0.7% a month (factor {f}). You need 10 years of coverage. Income tax and resident tax are deducted; health and long-term care premiums set by your city (often ¥10,000–20,000 a month) are not.":"基礎年金 月 {k}（40年のうち {y}）に、厚生年金 {h}（月65万円までの平均標準報酬の5.481/1000 × 加入月数、現在の貨幣価値）を加えた額です。年金は65歳から。60歳から繰上げると1か月につき0.4%減額、75歳まで繰下げると1か月につき0.7%増額（係数 {f}）。受給資格期間は10年。所得税と住民税は差し引いていますが、市区町村が定める国民健康保険料・介護保険料（多くは月1万〜2万円）は含みません。","National pension + national health insurance (Edogawa ward rates)":"国民年金 + 国民健康保険（江戸川区の保険料率）","30 days (or 30 days’ pay)":"30日（または30日分の賃金）","Labour Standards Act art. 20":"労働基準法第20条","Pay in lieu of 30 days’ notice (taxed as retirement income)":"30日分の解雇予告手当（退職所得として課税）","2 weeks (Civil Code art. 627), often 1 month by work rules":"2週間（民法第627条）、就業規則では1か月が多い","{y} a day for {d} days (about 50–80% of your daily wage, tax-free){r}":"1日 {y} を {d} 日（賃金日額の約50〜80%、非課税）{r}",", starting after a 7-day wait and a 1-month restriction":"、7日間の待期と1か月の給付制限の後に開始","Age when leaving":"離職時の年齢","Resigned (any age)":"自己都合退職（年齢不問）","Coming of Age Day":"成人の日","National Foundation Day":"建国記念の日","Emperor’s Birthday":"天皇誕生日","Vernal Equinox Day":"春分の日","Shōwa Day":"昭和の日","Constitution Memorial Day":"憲法記念日","Greenery Day":"みどりの日","Children’s Day":"こどもの日","Marine Day":"海の日","Mountain Day":"山の日","Respect for the Aged Day":"敬老の日","Autumnal Equinox Day":"秋分の日","Sports Day":"スポーツの日","Culture Day":"文化の日","Labour Thanksgiving Day":"勤労感謝の日","Substitute holiday":"振替休日","Citizens’ holiday (between two holidays)":"国民の休日（祝日に挟まれた日）","Japan":"日本","National income tax runs from 5% to 45% (5% up to ¥1.95m, 10% to ¥3.3m, 20% to ¥6.95m, 23% to ¥9m, 33% to ¥18m, 40% to ¥40m), plus a 2.1% reconstruction surtax. For 2026 and 2027 the employment income deduction is at least ¥740,000 and the basic deduction is ¥1,040,000 for income up to ¥4.89m (¥670,000 up to ¥6.55m, ¥620,000 above), so pay of up to ¥1.78m is tax-free; the new amounts apply in the year-end adjustment from December 2026. Children under 16 give no deduction (child allowance is paid instead).":"国の所得税は5%から45%（195万円まで5%、330万円まで10%、695万円まで20%、900万円まで23%、1,800万円まで33%、4,000万円まで40%）に、2.1%の復興特別所得税が加わります。2026年と2027年は給与所得控除が最低74万円、基礎控除が合計所得489万円まで104万円（655万円まで67万円、それを超えると62万円）となり、年収178万円までは所得税がかかりません。新しい金額は2026年12月の年末調整から適用されます。16歳未満の子どもには扶養控除がありません（代わりに児童手当が支給されます）。","Resident tax":"住民税","Prefecture and city together take 10% of income after a ¥430,000 basic deduction, plus about ¥5,000 a year per person. It is charged on the previous year’s income and taken from pay from June; this calculator applies it to the same year.":"都道府県と市区町村を合わせて、43万円の基礎控除後の所得の10%に、1人あたり年約5,000円の均等割を加えます。前年の所得に対して課され、6月から給与から天引きされます。この計算ツールでは同じ年に適用しています。","Employee and employer each pay half of health insurance (9.85% in Tokyo with Kyokai Kenpo from March 2026), care insurance (1.62%, ages 40–64), the new child-support levy (0.23% from April 2026) and employees’ pension (18.3%), on standard monthly pay grades: up to ¥1.39m a month for health and ¥650,000 for pension; bonuses count up to ¥5.73m a year (health) and ¥1.5m a payment (pension). Employment insurance is 0.5% for the employee and 0.85% for the employer.":"健康保険（協会けんぽ東京支部で2026年3月から9.85%）、介護保険（1.62%、40〜64歳）、新しい子ども・子育て支援金（2026年4月から0.23%）、厚生年金（18.3%）は、標準報酬月額に対して労使で折半します。上限は健康保険が月139万円、厚生年金が65万円。賞与は健康保険が年573万円、厚生年金が1回150万円まで算入。雇用保険は本人0.5%、事業主0.85%。","Labour Standards Act":"労働基準法","Overtime beyond 8 hours a day or 40 a week pays at least 25% extra, and 50% for overtime above 60 hours a month; night work (22:00–05:00) adds 25% and work on the weekly legal day off 35%. With a labour-management agreement (article 36) overtime is limited to 45 hours a month and 360 a year (up to 720 in special cases).":"1日8時間または週40時間を超える時間外労働は少なくとも25%、月60時間を超える時間外労働は50%の割増。深夜労働（22:00〜05:00）は25%、法定休日の労働は35%を加算。労使協定（36協定）により、時間外労働は月45時間、年360時間（特別な場合は最大720時間）まで。","45 h / month, 360 h / year":"月45時間、年360時間","Sole proprietor (kojin jigyō)":"個人事業主（個人事業）","You pay the flat national pension (¥17,920 a month from April 2026) and national health insurance set by your city; the Edogawa ward (Tokyo) rates for 2026 are used: 7.83% + 2.84% + 0.27% of income above ¥430,000 plus per-person amounts, and 2.45% more at ages 40–64. With a blue return filed online you deduct ¥650,000. Most services also pay 5% business tax on income above ¥2.9m. Consumption tax applies above ¥10m of sales (not modelled).":"定額の国民年金保険料（2026年4月から月17,920円）と、市区町村が定める国民健康保険料を払います。2026年度の江戸川区（東京）の料率を使用：43万円を超える所得の7.83% + 2.84% + 0.27%に均等割を加え、40〜64歳はさらに2.45%。電子申告による青色申告なら65万円を控除。ほとんどのサービス業は290万円を超える所得に5%の個人事業税もかかります。売上1,000万円超で消費税がかかります（モデル化していません）。","Basic and employees’ pension":"基礎年金と厚生年金","Everyone gets the basic pension: ¥70,608 a month in fiscal year 2026 for 40 years of coverage, less for fewer years (at least 10 needed). Employees add the earnings-related employees’ pension, about 5.481/1000 of average monthly pay (incl. bonuses) for each month insured. Pensions rose 1.9% (basic) and 2.0% (employees’) in April 2026.":"誰もが基礎年金を受け取ります：2026年度は40年加入で月70,608円、加入年数が少なければ減額（最低10年必要）。会社員は所得比例の厚生年金が加わり、加入1か月ごとに平均標準報酬額（賞与込み）の約5.481/1000。年金は2026年4月に1.9%（基礎年金）と2.0%（厚生年金）引き上げ。","Age, early and deferred claims":"年齢、繰上げと繰下げ","The normal age is 65. You can claim from 60 with a cut of 0.4% for each month early (24% at 60) or defer up to 75 for 0.7% more per month (84% at 75). Pensions are taxed after the public pension deduction (at least ¥1.1m from 65).":"通常の受給開始は65歳。60歳から繰上げると1か月につき0.4%減額（60歳で24%）、75歳まで繰下げると1か月につき0.7%増額（75歳で84%）。年金は公的年金等控除（65歳から最低110万円）後に課税されます。","iDeCo and company DC contributions are fully deductible from income tax and resident tax (not from social insurance). From December 2026 the limit for employees is ¥62,000 a month including your employer’s DC contributions (it was ¥23,000 without a company plan).":"iDeCoと企業型DCの掛金は所得税と住民税から全額控除されます（社会保険料からは控除されません）。2026年12月から、会社員の上限は企業型DCの事業主掛金を含めて月62,000円になります（企業年金がない場合は23,000円でした）。","iDeCo is a personal defined-contribution pension: contributions reduce income and resident tax, gains are tax-free, and the money is locked until 60. Taken as a lump sum it is taxed as retirement income after a deduction of ¥400,000 a year of membership (¥700,000 after 20 years), so most savers pay little or no tax; shown here as tax-free. Gains in a taxable account pay 20.315%.":"iDeCoは個人型確定拠出年金です：掛金は所得税と住民税を減らし、運用益は非課税で、60歳まで引き出せません。一時金で受け取ると、加入1年につき40万円（20年超は70万円）の控除後に退職所得として課税されるため、ほとんどの人は税金がほとんどかかりません。ここでは非課税として表示します。課税口座の運用益には20.315%。","10 days of paid leave after 6 months of service, rising by 1–2 days a year to 20 days after 6½ years; unused days carry over for 2 years, and employers must make sure you take at least 5 days a year. Public holidays falling on a Sunday move to the next working day, and a day between two holidays is also a holiday. Many companies also close from 29 December to 3 January (not a legal holiday).":"勤続6か月後に10日の有給休暇、毎年1〜2日ずつ増えて6年6か月後に20日。未消化分は2年間繰越でき、雇用主は年少なくとも5日を確実に取得させる義務があります。日曜に当たる祝日は次の平日に振り替えられ、祝日に挟まれた日も休日になります。多くの会社は12月29日から1月3日まで休業します（法定の祝日ではありません）。","6 weeks before and 8 weeks after the birth":"産前6週と産後8週","Two thirds of pay from health insurance, plus a ¥500,000 childbirth lump sum":"健康保険から給与の3分の2（出産手当金）、加えて出産育児一時金50万円","Childcare leave":"育児休業","Each parent until the child is 1 (up to 2 without a daycare place); fathers can also take up to 4 weeks in the first 8 weeks":"親それぞれ子どもが1歳になるまで（保育所に入れなければ最大2歳まで）。父親は最初の8週以内に最大4週の産後パパ育休も取得可能","67% of pay for 180 days, then 50% (tax- and premium-free); 80% for up to 28 days when both parents take leave":"180日間は給与の67%、その後50%（非課税・社会保険料免除）。両親とも取得する場合、最大28日間は80%","Child allowance":"児童手当","¥15,000 a month under 3 and ¥10,000 from 3 to 18 (¥30,000 from the third child), no income limit":"3歳未満は月15,000円、3歳から18歳までは月10,000円（第3子以降は30,000円）、所得制限なし","Not taxed, paid every two months":"非課税、2か月ごとに支給","Sickness benefit":"傷病手当金","From the 4th day off sick, for up to 1½ years (no statutory sick pay from the employer)":"休業4日目から最長1年6か月（雇用主による法定の病気手当はなし）","Two thirds of pay from health insurance":"健康保険から給与の3分の2","Dismissed by the employer (company reasons)":"雇用主による解雇（会社都合）","Dismissal and notice":"解雇と予告","A dismissal needs an objectively reasonable cause, or it is void (Labour Contract Act art. 16). The employer must give 30 days’ notice or 30 days’ average pay. There is no statutory severance pay; many companies pay a retirement allowance under their own rules, which is taxed lightly as retirement income (deduction of ¥400,000 a year of service, ¥700,000 after 20 years, half of the rest taxed).":"解雇には客観的に合理的な理由が必要で、なければ無効です（労働契約法第16条）。雇用主は30日前の予告か、30日分の平均賃金を支払わなければなりません。法定の退職金はなく、多くの会社が独自の規程で退職金を支払い、退職所得として軽く課税されます（勤続1年につき40万円、20年超は70万円の控除、残りの半分に課税）。","The basic allowance is 50–80% of your average daily wage of the last 6 months (45–80% at 60–64), from 1 August 2026 between ¥2,562 and ¥9,110 a day depending on age. After a dismissal it lasts 90–330 days by age and years insured; after resigning 90–150 days, starting after a 1-month restriction.":"基本手当は離職前6か月の賃金日額の50〜80%（60〜64歳は45〜80%）で、2026年8月1日から年齢に応じて1日2,562円から9,110円の範囲。解雇の場合、年齢と被保険者期間により90〜330日。自己都合退職の場合は90〜150日で、1か月の給付制限の後に開始。","Up to ¥1.78m of pay a year there is no income tax in 2026 and 2027.":"2026年と2027年は年収178万円まで所得税がかかりません。","iDeCo contributions cut both income tax and resident tax; from December 2026 employees can put in up to ¥62,000 a month.":"iDeCoの掛金は所得税と住民税の両方を減らします。2026年12月から会社員は月62,000円まで拠出できます。","Child allowance is shown separately (¥10,000 a month per child aged 3–18, ¥15,000 under 3, ¥30,000 from the third child). Spouses file separately; the spouse and dependant deductions for a low-earning spouse or children aged 16–22 are not modelled.":"児童手当は別に表示しています（3〜18歳は子ども1人につき月10,000円、3歳未満は15,000円、第3子以降は30,000円）。配偶者は別々に申告します。低収入の配偶者や16〜22歳の子どもの配偶者控除・扶養控除はモデル化していません。","30 days’ pay in lieu of notice":"30日分の解雇予告手当","14 weeks at two thirds of pay, then childcare leave at 67% / 50% until age 1":"14週は給与の3分の2、その後1歳まで育児休業給付67% / 50%","Up to 4 weeks after the birth at 67% (80% with the 2025 top-up)":"産後最大4週、67%（2025年の上乗せで80%）","Each parent until the child is 1 (up to 2)":"親それぞれ子どもが1歳になるまで（最大2歳）","Two thirds from health insurance from day 4":"4日目から健康保険で3分の2","Annual tax and premiums for one employee in Tokyo (Kyokai Kenpo rates) with the 2026 deductions; resident tax is applied to the same year although it is charged a year later. Spouse and dependant deductions, the hometown tax donation (furusato nōzei), housing loan credit in the salary view, company health insurance societies with other rates and the 2026 change from March to April in the premiums are not modelled.":"2026年の控除を適用した東京の会社員1人（協会けんぽの料率）の年間の税金と保険料です。住民税は実際には翌年に課されますが、同じ年に適用しています。配偶者控除・扶養控除、ふるさと納税、給与画面での住宅ローン控除、料率の異なる健康保険組合、2026年3月から4月への保険料改定はモデル化していません。","Official sources: National Tax Agency (Tax Answer 1199 basic deduction and 1410 employment income deduction, 2026), Ministry of Finance (FY2026 tax reform outline), Ministry of Internal Affairs and city notices (resident tax), Japan Health Insurance Association (Tokyo premium table from March 2026), Ministry of Health, Labour and Welfare (pension amounts FY2026, employment insurance rate FY2026, basic allowance from 1 August 2026, child allowance, 2025 abridged life table), Japan Pension Service, Edogawa City (national health insurance 2026), Statistics Bureau (Family Income and Expenditure Survey 2025, Housing and Land Survey 2023), Ministry of Land, Infrastructure, Transport and Tourism (housing loan tax credit).":"公式情報源：国税庁（タックスアンサー No.1199 基礎控除、No.1410 給与所得控除、2026年）、財務省（令和8年度税制改正の大綱）、総務省と各市区町村の案内（住民税）、全国健康保険協会（2026年3月からの東京支部の保険料額表）、厚生労働省（2026年度の年金額、2026年度の雇用保険料率、2026年8月1日からの基本手当、児童手当、2025年簡易生命表）、日本年金機構、江戸川区（2026年度の国民健康保険）、総務省統計局（家計調査2025年、住宅・土地統計調査2023年）、国土交通省（住宅ローン減税）。","Income tax on a taxable income of ¥5,000,000":"課税所得500万円に対する所得税","Employment income on pay of ¥5,000,000 (2026)":"年収500万円の給与所得（2026年）","Employment income on pay of ¥1,500,000 (2026)":"年収150万円の給与所得（2026年）","Basic deduction 2026, total income ¥3,000,000":"2026年の基礎控除、合計所得300万円","Monthly employee premiums on ¥300,000, age 35 (health + child levy + pension)":"月30万円、35歳の本人負担の保険料（健康保険 + 子ども・子育て支援金 + 厚生年金）","Monthly employee premiums on ¥500,000, age 45 (incl. care insurance)":"月50万円、45歳の本人負担の保険料（介護保険を含む）","Maximum monthly employee pension premium":"本人負担の厚生年金保険料の月額上限","Full basic pension, fiscal year 2026 (per month)":"2026年度の基礎年金満額（月額）","Daily basic allowance on a daily wage of ¥9,000 (under 60)":"賃金日額9,000円（60歳未満）での基本手当日額","Maximum daily basic allowance, age 30–44":"30〜44歳の基本手当日額の上限","Benefit days after a dismissal, age 50, 25 years insured":"解雇後の給付日数、50歳、被保険者期間25年","Child allowance, 2 children aged 3–18 (per year)":"児童手当、3〜18歳の子ども2人（年額）","National pension contributions, fiscal year 2026 (per year)":"2026年度の国民年金保険料（年額）","IMSS quota (paid by your employer at the minimum wage)":"IMSS定額保険料（最低賃金で雇用主が負担）","IMSS social security, employee share (about 2.4%)":"IMSS社会保障、本人負担分（約2.4%）","ISR income tax on the monthly salary (after the employment subsidy)":"月給に対するISR所得税（雇用補助金控除後）","ISR on the aguinaldo and bonuses (30 UMA of aguinaldo exempt)":"アギナルドと賞与に対するISR（アギナルドの30 UMAは非課税）","Aguinaldo (year-end bonus) included in your yearly pay":"年収に含まれるアギナルド（年末賞与）","Vacation premium (25% of 12 holiday days, paid on top)":"休暇手当（休暇12日分の25%、上乗せで支給）","Employment subsidy credited against your ISR (per year)":"ISRに充当される雇用補助金（年額）","Employer IMSS, retirement (SAR) and Infonavit housing 5%":"雇用主のIMSS、退職（SAR）、Infonavit住宅5%"," You started contributing before July 1997, so you can choose the 1973-law pension instead (based on your last 250 weeks of salary), which is often higher; it is not modelled.":" 1997年7月より前に保険料の納付を始めているため、代わりに1973年法の年金（直近250週の給与に基づく）を選ぶことができ、多くの場合そちらのほうが高額です。これはモデル化していません。","AFORE account: about {b} saved (2% retirement + the employer’s old-age quota, rising to 2030, + your 1.125%, at a 3% real return), paid as {a} a month over your expected {n} years. You need age 60 (65 for old age) and {w} weeks in {y} (you have about {k}).{f} From 65 everyone also gets the Pensión Bienestar of MXN 3,200 a month (MXN 6,400 every two months).{l}":"AFORE口座：約 {b} を貯蓄（退職2% + 2030年まで上昇する雇用主の老齢保険料 + 本人1.125%、実質利回り3%）、予想される {n} 年間にわたり月 {a} として支給。60歳（老齢は65歳）と{y}年に {w} 週が必要です（あなたは約 {k}）。{f} 65歳からは誰もが月MXN 3,200（2か月ごとにMXN 6,400）のPensión Bienestarも受け取ります。{l}"," The Pension Fund for Wellbeing tops this up to your last salary ({p}, up to MXN 17,885.85 in 2026).":" 福祉年金基金が最終給与（{p}、2026年はMXN 17,885.85まで）まで上乗せします。","No compulsory social security (voluntary IMSS not included)":"強制の社会保障なし（任意のIMSSは含まない）","Constitutional indemnity (3 months of integrated pay)":"憲法上の補償金（統合給与3か月分）","20 days per year of service (when the employer refuses reinstatement)":"勤続1年につき20日分（雇用主が復職を拒否した場合）","Seniority premium (12 days a year, pay capped at 2 minimum wages)":"勤続手当（年12日分、給与の上限は最低賃金の2倍）","Seniority premium (12 days a year, after 15 years)":"勤続手当（年12日分、15年後）","Holidays":"休暇","Dismissal without cause":"理由のない解雇","None required (written notice of the reason)":"必要なし（理由の書面通知）","LFT art. 47":"LFT第47条","No federal unemployment insurance: you can withdraw part of your AFORE (retiro por desempleo), and Mexico City pays a local unemployment insurance":"連邦の失業保険はありません：AFOREの一部を引き出せ（retiro por desempleo）、メキシコシティは独自の失業保険を支給しています","Mexico":"メキシコ","Tax regime":"税制","RESICO simplified regime (1%–2.5% of revenue, up to MXN 3.5m)":"RESICO簡易制度（収入の1〜2.5%、MXN 350万まで）","Business and professional activity (tax on profit)":"事業・専門職の活動（利益に課税）","Include 20 days per year (employer refuses reinstatement)":"年20日分を含める（雇用主が復職を拒否）","ISR income tax 2026":"ISR所得税 2026年","Employers withhold ISR each month with the 2026 tariff (Anexo 8, updated by 13.21% for inflation): 1.92% on the first MXN 844.59 rising to 35% above MXN 425,642 a month. The employment subsidy (MXN 535.65 a month for pay up to MXN 11,492.66) reduces the tax but is not paid out. The aguinaldo is tax-free up to 30 UMA (MXN 3,519.30) and the vacation premium up to 15 UMA.":"雇用主は2026年の税率表（Anexo 8、インフレで13.21%改定）で毎月ISRを源泉徴収します：最初のMXN 844.59に1.92%、月MXN 425,642超で35%まで上昇。雇用補助金（月給MXN 11,492.66まで月MXN 535.65）で税金は減りますが、支払われはしません。アギナルドは30 UMA（MXN 3,519.30）まで、休暇手当は15 UMAまで非課税。","IMSS, AFORE and Infonavit":"IMSS、AFORE、Infonavit","Contributions use the integrated daily wage (salary plus aguinaldo and vacation premium, capped at 25 UMA = MXN 2,932.75 a day). Employees pay about 2.4% (plus 0.4% above 3 UMA). Employers pay much more: health, disability, childcare, 2% retirement plus an old-age quota rising every year until 2030 (up to 7.513% in 2026), and 5% to Infonavit for housing; states add a payroll tax of about 3%. Minimum wage MXN 315.04 a day (MXN 440.87 in the northern border zone).":"保険料は統合日額給与（給与にアギナルドと休暇手当を加えた額、上限は25 UMA = 1日MXN 2,932.75）を基に計算します。従業員は約2.4%（3 UMA超の部分は+0.4%）。雇用主ははるかに多く払います：健康、障害、保育、退職2%、2030年まで毎年上昇する老齢保険料（2026年は最大7.513%）、住宅のためのInfonavit 5%。州は約3%の給与税を追加します。最低賃金は1日MXN 315.04（北部国境地帯はMXN 440.87）。","Aguinaldo and holidays":"アギナルドと休暇","Every employee gets an aguinaldo of at least 15 days’ pay before 20 December (shown as 12.5 salaries a year; many employers pay 30 days), and a vacation premium of at least 25% of holiday pay.":"すべての従業員は12月20日までに少なくとも15日分の給与のアギナルド（ここでは年12.5回分の給与として表示。多くの雇用主は30日分を支給）と、休暇給与の少なくとも25%の休暇手当を受け取ります。","Federal Labour Law":"連邦労働法","The legal week is 48 hours in 2026; the constitutional reform of March 2026 cuts it by 2 hours a year from 2027 to 40 hours in 2030. The first 9 overtime hours a week (at most 3 a day, 3 times a week) are paid double and any further hours triple; from 2027 up to 12 overtime hours a week are allowed. Sunday work earns a 25% premium, and work on a rest day or public holiday is paid triple.":"2026年の法定労働時間は週48時間です。2026年3月の憲法改正により、2027年から毎年2時間ずつ短縮され、2030年に40時間になります。週の最初の9時間の時間外労働（1日最大3時間、週3回）は2倍、それ以上は3倍で支払われます。2027年からは週最大12時間の時間外労働が認められます。日曜の労働には25%の割増、休日や祝日の労働は3倍で支払われます。","Half of double-time overtime is tax-free up to 5 UMA a week (all of it for minimum-wage earners); not applied in this calculator.":"2倍払いの時間外手当の半分は週5 UMAまで非課税です（最低賃金の労働者は全額）。この計算ツールでは適用していません。","9 h / week (3 h a day)":"週9時間（1日3時間）","RESICO and professional activity":"RESICOと専門職の活動","Under RESICO, individuals with revenue up to MXN 3.5m a year pay ISR of 1% to 2.5% of revenue with no deductions. Otherwise business and professional income is taxed on profit with the normal tariff. Self-employed people have no compulsory IMSS; voluntary IMSS and VAT (16%, usually charged to clients) are not included.":"RESICOでは、年収MXN 350万までの個人は控除なしで収入の1%から2.5%のISRを払います。それ以外の事業・専門職の所得は通常の税率表で利益に課税されます。自営業者には強制のIMSSはありません。任意のIMSSとVAT（16%、通常は顧客に請求）は含まれません。","AFORE pension (1997 law)":"AFORE年金（1997年法）","People who started after 1 July 1997 retire on their AFORE individual account. You need age 65 (or 60 with a smaller pension) and 875 weeks of contributions in 2026, rising by 25 a year to 1,000 in 2031. The balance buys an annuity or a programmed withdrawal; with too few weeks you take the money as a lump sum. A guaranteed minimum pension applies by age, weeks and salary.":"1997年7月1日以降に加入した人は、AFOREの個人口座で退職します。2026年は65歳（または少ない年金で60歳）と875週の保険料納付が必要で、毎年25週ずつ増え2031年に1,000週。残高で終身年金か計画的引き出しを購入します。週数が足りなければ一時金で受け取ります。年齢、週数、給与に応じて最低保証年金が適用されます。","Pension Fund for Wellbeing and Pensión Bienestar":"福祉年金基金とPensión Bienestar","Since 2024 the Pension Fund for Wellbeing tops up the IMSS old-age pension of 1997-law workers retiring at 65 or later to 100% of their last salary, if that salary is at most MXN 17,885.85 a month (2026). Separately, everyone aged 65 or over receives the non-contributory Pensión Bienestar of MXN 6,400 every two months. Pensions are tax-free up to 15 UMA a month.":"2024年から、福祉年金基金は65歳以降に退職する1997年法の労働者のIMSS老齢年金を、最終給与が月MXN 17,885.85（2026年）以下であれば、その100%まで上乗せします。これとは別に、65歳以上の全員が2か月ごとにMXN 6,400の非拠出制のPensión Bienestarを受け取ります。年金は月15 UMAまで非課税です。","Voluntary AFORE contributions are deductible up to 10% of your income and 5 yearly UMA ({l} for you). Withdrawals before retirement are taxed.":"AFOREへの任意拠出は、所得の10%と年間UMAの5倍（あなたの場合は {l}）まで控除可能です。退職前の引き出しは課税されます。","Voluntary contributions to your AFORE (long-term, deductible) are added to the same account as your compulsory savings and paid out with your pension, tax-free up to 15 UMA a month. Many employers also offer a savings fund (fondo de ahorro) with matching contributions. Real interest in a taxable account is taxed at your marginal rate (20% used).":"AFOREへの任意拠出（長期、控除可能）は強制の貯蓄と同じ口座に加えられ、年金とともに支払われ、月15 UMAまで非課税です。多くの雇用主はマッチング拠出付きの貯蓄基金（fondo de ahorro）も提供しています。課税口座の実質利息は限界税率で課税されます（20%を使用）。","Benito Juárez’s birthday":"ベニート・フアレスの誕生日","Presidential inauguration":"大統領就任日","Revolution Day":"革命記念日","Since 2023 paid holidays are 12 working days after the first year, rising by 2 days a year to 20 in year 5 and then by 2 days every 5 years, with a vacation premium of at least 25%. The mandatory rest days of the Federal Labour Law are shown; Holy Thursday, Good Friday, 12 December and 2 November are common days off but not obligatory, and election days are also rest days.":"2023年から、有給休暇は1年目の後に12労働日、毎年2日ずつ増えて5年目に20日、その後は5年ごとに2日増え、少なくとも25%の休暇手当が付きます。表示は連邦労働法の法定休日です。聖木曜日、聖金曜日、12月12日、11月2日は一般的な休日ですが義務ではなく、選挙日も休日です。","12 weeks (6 before and 6 after the birth; up to 4 can be moved to after)":"12週（産前6週と産後6週。最大4週を産後に移せる）","100% of the integrated wage from IMSS (30 weeks of contributions needed)":"IMSSから統合給与の100%（30週の保険料納付が必要）","5 working days":"5労働日","Full pay from the employer":"雇用主から給与全額","Two 30-minute breaks a day (or one hour less work) for up to 6 months":"最長6か月、1日30分の休憩2回（または1時間の短縮勤務）","Childcare":"保育","IMSS daycare (guarderías) for children from 43 days to 4 years":"生後43日から4歳までの子どものためのIMSS保育所（guarderías）","Free for insured parents":"被保険者の親は無料","IMSS sickness benefit from the 4th day, up to 52 weeks":"4日目からIMSSの傷病手当、最長52週","60% of the integrated wage":"統合給与の60%","Dismissed without just cause":"正当な理由のない解雇","The employer owes 3 months of integrated pay (art. 48 and 50 LFT), 20 days per year of service when it refuses to reinstate you (commonly paid in settlements), and the seniority premium of 12 days per year with pay capped at twice the minimum wage (art. 162). The settlement (finiquito) also pays outstanding pay, the pro-rata aguinaldo, holidays and vacation premium. 90 UMA per year of service are tax-free; the rest is taxed at the average rate of your last monthly salary.":"雇用主は統合給与3か月分（LFT第48条・第50条）、復職を拒否する場合は勤続1年につき20日分（和解で支払われることが多い）、給与の上限を最低賃金の2倍とする年12日分の勤続手当（第162条）を支払う義務があります。精算（finiquito）では未払いの給与、アギナルドの按分、休暇、休暇手当も支払われます。勤続1年につき90 UMAまで非課税で、残りは直近の月給の平均税率で課税されます。","Resignation and unemployment":"自己都合退職と失業","If you resign you get the finiquito and, after 15 years, the seniority premium. There is no federal unemployment insurance; after 46 days without work you can withdraw part of your AFORE retirement savings, and Mexico City runs its own unemployment insurance.":"自己都合退職ではfiniquitoを受け取り、15年後は勤続手当も受け取ります。連邦の失業保険はありません。46日間仕事がなければAFOREの退職貯蓄の一部を引き出せ、メキシコシティは独自の失業保険を運営しています。","Up to MXN 11,492.66 a month the employment subsidy of MXN 535.65 lowers your ISR every month.":"月MXN 11,492.66まではMXN 535.65の雇用補助金で毎月ISRが下がります。","Check your AFORE statement and register your account: the employer’s contributions rise every year until 2030, and the Infonavit 5% can go towards a home loan.":"AFOREの明細を確認して口座を登録してください：雇用主の拠出は2030年まで毎年増え、Infonavitの5%は住宅ローンに充てられます。","There is no universal child benefit; the Rita Cetina scholarship is paid per family for pupils in public secondary schools (not included). Spouses file separately.":"普遍的な児童手当はありません。Rita Cetina奨学金は公立中等学校の生徒がいる家庭に支給されます（含まれません）。配偶者は別々に申告します。","3 months + 20 days a year + seniority premium":"3か月 + 年20日 + 勤続手当","12 weeks at 100% (IMSS)":"12週100%（IMSS）","5 working days at full pay":"5労働日、給与全額","60% from day 4 (IMSS)":"4日目から60%（IMSS）","Monthly withholding for one employee with the 2026 tariff, the employment subsidy and the minimum aguinaldo; the annual adjustment can change the final tax. Personal deductions in the annual return (medical, school fees, mortgage interest), PTU profit sharing, savings funds, food vouchers and the state payroll tax are not modelled.":"2026年の税率表、雇用補助金、最低限のアギナルドを適用した従業員1人の月々の源泉徴収です。年間の調整で最終的な税額が変わる場合があります。年間申告での個人控除（医療、学費、住宅ローン利息）、PTU利益分配、貯蓄基金、食料券、州の給与税はモデル化していません。","Official sources: SAT (Anexo 8 RMF 2026 tariffs), DOF (employment subsidy decree of 31 December 2025, pension reform of 16 December 2020, 40-hour reform of 3 March 2026), INEGI (UMA 2026, INPC, ENIGH 2024), CONASAMI (minimum wages 2026), IMSS (Ley del Seguro Social, Pension Fund for Wellbeing 2026), Secretaría de Bienestar, Ley Federal del Trabajo, CONSAR.":"公式情報源：SAT（Anexo 8 RMF 2026の税率表）、DOF（2025年12月31日の雇用補助金令、2020年12月16日の年金改革、2026年3月3日の40時間改革）、INEGI（UMA 2026、INPC、ENIGH 2024）、CONASAMI（2026年の最低賃金）、IMSS（Ley del Seguro Social、2026年の福祉年金基金）、Secretaría de Bienestar、Ley Federal del Trabajo、CONSAR。","Monthly ISR on a salary of MXN 20,000":"月給MXN 20,000に対する月額ISR","Monthly ISR on MXN 10,000 after the employment subsidy":"雇用補助金控除後のMXN 10,000に対する月額ISR","Employment subsidy per month (February–December 2026)":"月額の雇用補助金（2026年2月〜12月）","Tax-free part of the aguinaldo (30 UMA)":"アギナルドの非課税部分（30 UMA）","IMSS employee quota per day on an integrated wage of MXN 500":"統合給与MXN 500に対する1日あたりのIMSS従業員保険料","Employer old-age (CEAV) rate in 2026, pay above 4 UMA":"2026年の雇用主の老齢（CEAV）料率、給与4 UMA超","Weeks of contributions needed for a pension in 2026":"2026年に年金に必要な保険料納付週数","Pensión Bienestar for people aged 65+ (per month)":"65歳以上のPensión Bienestar（月額）","Pension Fund for Wellbeing ceiling 2026 (per month)":"2026年の福祉年金基金の上限（月額）","Seniority premium per year at a high salary (12 days at 2 minimum wages)":"高給での年あたりの勤続手当（最低賃金2倍で12日分）","Tax-free severance per year of service (90 UMA)":"勤続1年あたりの非課税の退職金（90 UMA）","Paid holidays in the 6th year of service (days)":"勤続6年目の有給休暇（日）","RESICO tax on MXN 400,000 of yearly revenue":"年収MXN 400,000に対するRESICOの税","Real estate agent fee, legal maximum (3% + ¥60,000 + 10% consumption tax)":"不動産仲介手数料、法定上限（3% + 6万円 + 消費税10%）","Stamp duty on the sale contract (reduced rate to March 2027) and the loan contract":"売買契約書（2027年3月まで軽減税率）とローン契約書の印紙税","Registration tax, real estate acquisition tax and judicial scrivener (estimate, about 1%)":"登録免許税、不動産取得税、司法書士（推計、約1%）","Loan guarantee and bank fees (estimate, about 2.2% of the loan)":"ローン保証料と銀行手数料（推計、ローンの約2.2%）","Acquisition tax ISAI (set by each state, about 2–4.5%; 3% used)":"取得税ISAI（各州が設定、約2〜4.5%、3%を使用）","Notary, appraisal and public registry (estimate, about 2%)":"公証人、鑑定、公的登記（推計、約2%）","Bank opening fee (estimate, about 1% of the loan)":"銀行の融資手数料（推計、ローンの約1%）","Housing loan credit: 0.7% of the year-end balance (up to ¥20 million for an ordinary existing home, 10 years; more and 13 years for energy-efficient homes), limited to your income tax plus part of the resident tax (at most ¥97,500)":"住宅ローン控除：年末残高の0.7%（一般の既存住宅は2,000万円まで10年間、省エネ住宅はより多く13年間）、所得税と住民税の一部（最大97,500円）が限度","Real interest (interest above inflation, estimated with 3.5%) on a home loan of up to 750,000 UDIs is a personal deduction in the annual return, within the overall cap of 15% of income or 5 yearly UMA; worth your top ISR rate":"750,000 UDIまでの住宅ローンの実質利息（インフレを超える利息、3.5%と推計）は、年間申告の個人控除として、所得の15%または年間UMAの5倍の全体上限内で控除可能。最高ISR税率に相当","No official limits. Japanese banks often lend up to 100% of the price; the public Flat 35 loan caps all loan payments at 30% of gross income below ¥4 million and 35% above, and charges more when the loan exceeds 90% of the price.":"公的な制限はありません。日本の銀行は価格の100%まで融資することが多く、公的なフラット35では年収400万円未満は全ローンの返済額を総収入の30%、それ以上は35%までに制限し、借入額が価格の90%を超えると金利が高くなります。","No binding borrower limits. Banks usually lend up to 80–90% of the value with payments of about 30–40% of income; Infonavit and Fovissste loans use a points system and your housing account, and can be combined with a bank loan (Cofinavit).":"拘束力のある借り手の制限はありません。銀行は通常、価値の80〜90%まで、返済額が収入の約30〜40%で融資します。InfonavitとFovisssteのローンはポイント制と住宅口座を使い、銀行ローンと組み合わせることもできます（Cofinavit）。","Your iDeCo":"あなたのiDeCo","Your AFORE":"あなたのAFORE","Gross plus employer social security and TFR. You take home {p}.":"総支給に雇用主の社会保険料とTFRを加えた額です。そのうち {p} が手取りになります。","Gross plus employer social security. You take home {p}.":"総支給に雇用主の社会保険料を加えた額です。そのうち {p} が手取りになります。","Legal minimum annual leave, 5-day week":"法定最低年次休暇、週5日制","State fee to register a €150,000 home":"€150,000の住宅の登記にかかる国の手数料","CAS pension contribution 25% (incl. 4.75% to Pillar II)":"CAS年金保険料25%（第2の柱への4.75%を含む）","CASS health contribution 10%":"CASS健康保険料 10%","Personal deduction (per year)":"個人控除（年額）","RON 200 a month free of tax and contributions (minimum wage)":"月RON 200の税金・保険料の免除（最低賃金）","Employer work insurance contribution (CAM) 2.25%":"雇用主の労働保険料（CAM）2.25%","Public pension: {p} contribution points (your pay divided by the average gross wage of RON 9,192, year by year) plus {s} stability points for the years above 25, times the reference value of RON 81 (frozen in 2026). Pension age is {a} in 2026 (women’s age rises to 65 by 2035) with at least 15 years. Above RON 3,000 a month pensions pay 10% health contribution and 10% income tax. Pillar II (4.75% of pay) pays its own pension on top.":"公的年金：{p} の拠出ポイント（毎年、あなたの給与を平均総支給RON 9,192で割った値）に、25年を超える年数分の {s} の安定ポイントを加え、基準値RON 81（2026年は据え置き）を掛けた額です。2026年の年金年齢は {a} 歳（女性の年齢は2035年までに65歳に上昇）、最低15年。月RON 3,000を超える年金には10%の健康保険料と10%の所得税がかかります。第2の柱（給与の4.75%）は別に独自の年金を支払います。","CAS 25% and CASS 10% for a PFA":"PFAのCAS 25%とCASS 10%","{u} a month for {n} months (75% of the RON 660 social reference indicator + {p} of your average gross pay)":"月 {u} を {n} か月（社会参照指標RON 660の75% + 平均総支給の {p}）","{n} months, RON 495 + {p} of pay":"{n} か月、RON 495 + 給与の {p}","20 working days (45 for managers)":"20労働日（管理職は45日）","20 working days":"20労働日","Labour Code art. 75 and 81":"労働法典第75条・第81条","Romania":"ルーマニア","Contributions and income tax 2026":"保険料と所得税 2026年","Employees pay 25% CAS for pension (4.75% of it goes to the private Pillar II fund) and 10% CASS for health; income tax is 10% of pay after contributions and the personal deduction. The employer only pays a 2.25% work insurance contribution (CAM).":"従業員は年金のためのCAS 25%（うち4.75%は民間の第2の柱の基金へ）と健康のためのCASS 10%を払います。所得税は保険料と個人控除を引いた給与の10%。雇用主は2.25%の労働保険料（CAM）のみを払います。","Personal deduction and minimum wage":"個人控除と最低賃金","The personal deduction is 20% of the minimum wage for monthly pay up to the minimum wage (25%, 30%, 35% and 45% with 1, 2, 3 or 4+ dependants) and falls by 0.5 points for each RON 50 above it, ending at the minimum wage + RON 2,000. The minimum wage is RON 4,325 from 1 July 2026 (RON 4,050 before); for workers on the minimum wage RON 200 a month (RON 300 until June) is free of tax and contributions while gross pay stays at or below RON 4,600.":"個人控除は、月給が最低賃金までなら最低賃金の20%（扶養家族1、2、3、4人以上で25%、30%、35%、45%）で、それを超えるRON 50ごとに0.5ポイント減り、最低賃金 + RON 2,000で終わります。最低賃金は2026年7月1日からRON 4,325（それ以前はRON 4,050）。最低賃金の労働者は、総支給がRON 4,600以下の間、月RON 200（6月まではRON 300）が税金と保険料の対象外です。","Overtime is first compensated with paid time off within the next 60 days; if that is not possible it is paid with at least 75% extra. Working time may not exceed 48 hours a week on average. Night work earns at least 25% extra (or one hour less work), and work on public holidays is paid double if no time off is given.":"時間外労働はまず次の60日以内の有給の代休で補償されます。それが不可能なら少なくとも75%の割増で支払われます。労働時間は平均週48時間を超えてはなりません。深夜労働は少なくとも25%の割増（または1時間の短縮）、祝日の労働は代休がなければ2倍で支払われます。","PFA (sole trader, real system)":"PFA（個人事業主、実額方式）","Net income is taxed at 10%. CAS of 25% is due on 12 minimum wages (RON 48,600) when income is between 12 and 24 minimum wages and on 24 (RON 97,200) above; CASS of 10% applies to income between 6 and 72 minimum wages. For 2026 income the thresholds use the RON 4,050 minimum wage of 1 January 2026.":"純所得に10%の税金。所得が最低賃金の12〜24倍なら最低賃金12倍（RON 48,600）に、それを超えれば24倍（RON 97,200）に対して25%のCASがかかります。10%のCASSは最低賃金の6〜72倍の所得に適用されます。2026年の所得については、2026年1月1日の最低賃金RON 4,050で基準額を計算します。","Points system (Law 360/2023)":"ポイント制（法律360/2023）","Each year adds points equal to your gross pay divided by the national average gross wage; for years above 25, stability points are added (0.5 a year for years 26–30, 0.75 for 31–35 and 1 after 35). The pension is total points × the reference value, RON 81 since 2024 and frozen in 2026.":"毎年、総支給を全国平均総支給で割った値に等しいポイントが加算されます。25年を超える年数には安定ポイントが加わります（26〜30年目は年0.5、31〜35年目は0.75、35年超は1）。年金は合計ポイント × 基準値で、2024年からRON 81、2026年は据え置き。","65 for men; for women 62 years and 7 months from July 2026, rising to 65 by 2035, with a full career of 35 years (women 33 years and 5 months) and at least 15 years. Early retirement is possible up to 5 years before with a full career, with a reduction.":"男性は65歳。女性は2026年7月から62歳7か月で、2035年までに65歳に引き上げ。満額のキャリアは35年（女性は33年5か月）、最低15年。満額のキャリアがあれば最大5年早く繰上げ可能で、減額されます。","Pillar III contributions are deductible from the income tax base up to the equivalent of €400 a year (about RON 2,000); the employer can also contribute up to €400 a year tax-free.":"第3の柱の拠出は年€400相当（約RON 2,000）まで所得税の課税ベースから控除できます。雇用主も年€400まで非課税で拠出できます。","Voluntary private pensions (Pillar III): contributions up to €400 a year reduce income tax; payouts from 60 are taxed like pensions (10% income tax above RON 3,000 a month). Pillar II, financed from your CAS, pays a separate pension on top of the state one.":"任意の個人年金（第3の柱）：年€400までの拠出で所得税が下がります。60歳からの受け取りは年金と同様に課税されます（月RON 3,000超に所得税10%）。CASから財源を得る第2の柱は、国の年金とは別に年金を支払います。","Day after New Year":"元日の翌日","St John the Baptist":"洗礼者聖ヨハネ","Union of the Romanian Principalities":"ルーマニア公国統一記念日","Orthodox Good Friday":"正教会の聖金曜日","Orthodox Easter Sunday":"正教会の復活祭","Orthodox Easter Monday":"正教会の復活祭月曜日","Orthodox Pentecost":"正教会の聖霊降臨祭","St Andrew’s Day":"聖アンデレの日","At least 20 working days of paid leave a year; collective agreements and seniority often add more. The public holidays follow the Orthodox calendar (Easter and Pentecost); when Whit Monday falls on 1 June (Children’s Day), as in 2026, it is a single day off.":"年に少なくとも20労働日の有給休暇。労働協約や勤続年数でさらに追加されることが多いです。祝日は正教会の暦（復活祭と聖霊降臨祭）に従います。2026年のように聖霊降臨祭の月曜日が6月1日（こどもの日）と重なる場合は、1日の休日になります。","126 days (63 before and 63 after the birth)":"126日（産前63日と産後63日）","85% of your average insured income":"平均被保険所得の85%","Child-raising leave":"育児休業","Until the child is 2 (3 with a disability); at least 2 months are reserved for the other parent":"子どもが2歳になるまで（障害がある場合は3歳）。少なくとも2か月はもう一方の親に割り当て","85% of average net income, within a minimum and maximum":"平均手取り収入の85%、最低額と最高額の範囲内","10 working days (15 after a childcare course)":"10労働日（育児講座の受講後は15日）","State child allowance":"国の児童手当","RON 719 a month under 2, RON 292 from 2 to 18":"2歳未満は月RON 719、2歳から18歳まではRON 292","Not taxed":"非課税","First 5 days paid by the employer, then by the health fund":"最初の5日は雇用主が支給、その後健康保険基金","75% of average income (from 2026 lower for short absences)":"平均所得の75%（2026年から短期の欠勤は低め）","Dismissed for reasons not related to me":"本人に関係のない理由による解雇","When the employer dismisses you for reasons not related to you, the notice is at least 20 working days. The Labour Code sets no general severance pay; it is due only if a collective or individual agreement provides it (often 1–3 months’ pay in collective dismissals).":"雇用主が本人に関係のない理由で解雇する場合、予告は少なくとも20労働日です。労働法典に一般的な退職金の定めはなく、労働協約や個別契約に定めがある場合のみ支払われます（集団解雇では給与1〜3か月分のことが多い）。","After at least 12 months of contributions in the last 24: 75% of the social reference indicator (RON 495) plus 3%, 5%, 7% or 10% of your average gross pay with at least 3, 5, 10 or 20 years insured; paid for 6 months (1–5 years), 9 months (5–10) or 12 months (10+).":"過去24か月に少なくとも12か月の保険料納付後：社会参照指標の75%（RON 495）に、保険加入3、5、10、20年以上で平均総支給の3%、5%、7%、10%を加算。支給期間は6か月（1〜5年）、9か月（5〜10年）、12か月（10年以上）。","Between the minimum wage and RON 6,325 a month you still get part of the personal deduction; it shrinks by 0.5 points of the minimum wage for every RON 50 of extra pay.":"最低賃金から月RON 6,325までは個人控除の一部が残ります。追加の給与RON 50ごとに最低賃金の0.5ポイントずつ減ります。","Part of your CAS (4.75% of gross pay) goes to your own Pillar II account; you can check the balance with your fund.":"CASの一部（総支給の4.75%）はあなた自身の第2の柱の口座に入ります。残高は基金で確認できます。","The state child allowance (RON 292 a month from age 2 to 18, RON 719 under 2) is shown separately. Dependants raise the personal deduction for the parent who claims them.":"国の児童手当（2歳から18歳まで月RON 292、2歳未満はRON 719）は別に表示しています。扶養家族は、申請する親の個人控除を増やします。","126 days at 85%, then child-raising leave at 85% until age 2":"126日85%、その後2歳まで育児休業85%","10 working days at full pay":"10労働日、給与全額","Until age 2, 2 months reserved for each parent":"2歳まで、親それぞれ2か月を割り当て","75% (employer 5 days, then health fund)":"75%（雇用主5日、その後健康保険基金）","Monthly tax and contributions for one employee under the rules in force from 1 July 2026 (minimum wage RON 4,325, RON 200 untaxed), applied to the whole year. Exemptions for IT, construction and agriculture were abolished; meal vouchers, holiday vouchers and the deduction for young people are not modelled.":"2026年7月1日から施行の規則（最低賃金RON 4,325、RON 200非課税）を1年間に適用した従業員1人の月々の税金と保険料です。IT、建設、農業の免除は廃止されました。食事券、休暇券、若者向けの控除はモデル化していません。","Official sources: ANAF and the Fiscal Code (Law 227/2015, art. 76–78, 138^3–138^4, 148–170), Government Decision 146/2026 (minimum wage), Law 360/2023 and Law 141/2025 (pensions, CASS on pensions), CNPP, ANOFM (unemployment benefit, ISR), Labour Code, National Bank of Romania (lending limits), INS, Eurostat.":"公式情報源：ANAFと税法典（法律227/2015、第76〜78条、第138^3〜138^4条、第148〜170条）、政府決定146/2026（最低賃金）、法律360/2023と法律141/2025（年金、年金へのCASS）、CNPP、ANOFM（失業給付、ISR）、労働法典、ルーマニア国立銀行（融資制限）、INS、Eurostat。","Net pay on the RON 4,325 minimum wage from July 2026":"2026年7月からの最低賃金RON 4,325での手取り","Personal deduction on RON 4,325 gross, no dependants":"総支給RON 4,325での個人控除、扶養家族なし","Personal deduction on RON 5,325 gross, no dependants":"総支給RON 5,325での個人控除、扶養家族なし","Pension after 35 years on the average wage (per month)":"平均賃金で35年後の年金（月額）","Basic unemployment benefit (75% of the ISR)":"基本の失業給付（ISRの75%）","Unemployment benefit duration with 12 years insured (months)":"保険加入12年での失業給付の期間（月）","PFA pension contribution (CAS) on RON 60,000 of net income":"純所得RON 60,000に対するPFAの年金保険料（CAS）","State child allowance, 2 children aged 2–18 (per year)":"国の児童手当、2〜18歳の子ども2人（年額）","Social insurance 9.4%":"社会保険 9.4%","Health insurance 5%":"健康保険 5%","Income tax (19% / 25% / 30% / 35%)":"所得税（19% / 25% / 30% / 35%）","Child tax bonus":"子ども税ボーナス","Non-taxable part of the tax base":"課税ベースの非課税部分","Employer contributions (about 36%)":"雇用主の保険料（約36%）","Old-age pension: your average personal wage point {p} (your pay divided by the average wage) × {y} years × the current pension value of €19.7633 (2026). Pension age is about 64 (lower for older people and for mothers, by 6 months per child); you can retire up to 2 years earlier with 0.5% less per month. Pensions are not taxed, a 13th pension is paid each December, and the second pillar (if you joined it) pays its own pension.":"老齢年金：平均個人賃金ポイント {p}（給与を平均賃金で割った値）× {y} 年 × 現在の年金価値€19.7633（2026年）。年金年齢は約64歳（高齢層と母親は低く、子ども1人につき6か月）。最大2年早く、1か月につき0.5%減額で退職できます。年金は非課税で、毎年12月に13か月目の年金が支払われ、第2の柱（加入していれば）は独自の年金を支払います。","Social 33.15% + health 16% (self-employed)":"社会33.15% + 健康16%（自営業者）","Severance pay (odstupné, {m} months)":"退職金（odstupné、{m} か月）","After resigning you can claim it only if you were insured for 2 of the last 4 years; shown as none":"自己都合退職の後は、過去4年のうち2年加入していた場合のみ請求できます。なしとして表示","{a} a month for 3 months (50%), then 40%, 30% and 20% (6 months in total, rules from 2026)":"月 {a} を3か月（50%）、その後40%、30%、20%（合計6か月、2026年からの規則）","Severance (dismissal)":"退職金（解雇）","{n} months":"{n} か月","Labour Code § 62 (dismissal by the employer)":"労働法典第62条（雇用主による解雇）","Slovakia":"スロバキア","Since 2026 the tax base is taxed in four bands: 19% up to €43,983.32, 25% up to €60,349.21, 30% up to €75,010.32 and 35% above. The non-taxable part per taxpayer is €5,966.73 a year for a tax base up to €26,083.13 and then falls (€14,661.11 minus a third of the tax base) to nil at €43,983.32. The child tax bonus is €100 a month per child under 15 and €50 from 15 to 18, limited by a share of the tax base and reduced at higher incomes.":"2026年から課税ベースは4区分で課税されます：€43,983.32まで19%、€60,349.21まで25%、€75,010.32まで30%、それを超える部分は35%。納税者1人あたりの非課税部分は、課税ベースが€26,083.13までなら年€5,966.73で、その後減少し（€14,661.11 − 課税ベースの3分の1）、€43,983.32でゼロ。子ども税ボーナスは15歳未満の子ども1人につき月€100、15〜18歳は€50で、課税ベースの一定割合が上限、高所得では減額。","Employees pay 9.4% social insurance (up to €16,764 a month) and 5% health insurance (raised from 4% in 2026, no ceiling). Employers pay about 25.2% social and 11% health insurance. Minimum wage €915 a month.":"従業員は9.4%の社会保険（月€16,764まで）と5%の健康保険（2026年に4%から引き上げ、上限なし）を払います。雇用主は約25.2%の社会保険と11%の健康保険を払います。最低賃金は月€915。","Overtime pays at least 25% extra (35% for risky work), or time off instead by agreement; it is limited to 150 hours a year ordered by the employer and 400 hours in total. Night work adds at least 40% of the minimum hourly wage, Saturday work 50%, Sunday work 100% and public holidays 100% of your average earnings.":"時間外労働は少なくとも25%の割増（危険な作業は35%）、または合意により代休。雇用主の命令による時間外労働は年150時間、合計で400時間まで。深夜労働は最低時給の少なくとも40%、土曜は50%、日曜は100%、祝日は平均収入の100%を加算。","150 h / year (400 by agreement)":"年150時間（合意で400時間）","Self-employed (SZČO)":"自営業者（SZČO）","With flat expenses of 60% (up to €20,000 a year), social insurance is 33.15% and health insurance 16% of profit divided by 1.486, at least €914.40 (social) and €762 (health) a month in 2026. Income tax is 15% if revenue does not exceed €100,000, after the non-taxable part.":"60%の定率経費（年€20,000まで）の場合、社会保険は利益を1.486で割った額の33.15%、健康保険は16%で、2026年は最低月€914.40（社会）と€762（健康）。所得税は、収入が€100,000以下なら非課税部分の後に15%。","The pension is the average personal wage point (your pay compared with the average wage in each year) × years of insurance × the current pension value, €19.7633 in 2026. You need at least 15 years. Pension age is capped at 64 and is lower for older cohorts and for mothers (6 months less per child, up to 18 months).":"年金は平均個人賃金ポイント（各年の平均賃金に対するあなたの給与）× 保険加入年数 × 現在の年金価値（2026年は€19.7633）です。少なくとも15年必要。年金年齢は64歳が上限で、高齢層と母親は低くなります（子ども1人につき6か月、最大18か月）。","Indexation and extras":"物価スライドと加算","Pensions rose 3.7% in January 2026. Pensions are not taxed. A 13th pension is paid every December, and savers in the second pillar receive part of their pension from their own account.":"年金は2026年1月に3.7%引き上げられました。年金は非課税です。毎年12月に13か月目の年金が支払われ、第2の柱の加入者は年金の一部を自分の口座から受け取ります。","Third-pillar contributions (DDS) reduce your tax base by up to €180 a year; employer contributions are taxed as your income but free of health insurance up to 6% of pay.":"第3の柱の拠出（DDS）で課税ベースが年最大€180減ります。雇用主の拠出はあなたの所得として課税されますが、給与の6%までは健康保険料がかかりません。","Supplementary pension savings (third pillar, DDS): you and your employer can contribute; your own contributions are deductible up to €180 a year. Payouts from age 62 are taxed at 19% on the part above your contributions (about 7% of the final balance here).":"補足年金貯蓄（第3の柱、DDS）：本人と雇用主が拠出でき、本人の拠出は年€180まで控除可能。62歳からの受け取りは、拠出額を超える部分に19%で課税されます（ここでは最終残高の約7%）。","Day of the Establishment of the Slovak Republic":"スロバキア共和国成立記念日","Victory over Fascism":"ファシズムに対する勝利の日","St Cyril and Methodius":"聖キュリロスと聖メトディオス","Slovak National Uprising":"スロバキア民族蜂起記念日","Our Lady of Sorrows":"悲しみの聖母","Struggle for Freedom and Democracy Day":"自由と民主主義のための闘争の日","4 weeks of paid leave a year, and 5 weeks from the year you turn 33 or if you care for a child permanently. Under the 2026 consolidation package 8 May and 15 September are working days in 2026 and 17 November has been abolished as a day off.":"年4週間の有給休暇、33歳になる年から、または子どもを常時養育している場合は5週間。2026年の財政再建パッケージにより、2026年は5月8日と9月15日が労働日となり、11月17日は休日から廃止されました。","Maternity benefit":"出産給付","34 weeks (37 for single mothers)":"34週（ひとり親の母親は37週）","75% of your daily assessment base":"日額算定基礎の75%","Paternity benefit":"父親給付","2 weeks in the first 6 weeks after the birth; a father can also take maternity benefit later":"出産後最初の6週以内に2週間。父親は後に出産給付を受け取ることもできます","75% of the daily assessment base":"日額算定基礎の75%","Parental allowance":"育児手当","Until the child is 3 (6 with long-term illness)":"子どもが3歳になるまで（長期の病気なら6歳）","Flat monthly amount (higher after maternity benefit)":"定額の月額（出産給付の後は高い）","Child benefit":"児童手当","€60 a month per child":"子ども1人につき月€60","Not taxed, on top of the child tax bonus":"非課税、子ども税ボーナスに加えて","Days 1–10 paid by the employer, then sickness benefit from the Social Insurance Agency":"1〜10日目は雇用主が支給、その後社会保険庁の傷病手当","25% for days 1–3, then 55%":"1〜3日目は25%、その後55%","When the employer gives notice, it is 1 month under 1 year of service, 2 months for 1–5 years and 3 months after 5 years. On dismissal for organisational or health reasons severance is 1, 2, 3 or 4 months’ average earnings after 2, 5, 10 or 20 years; ending by agreement adds one more month. Severance is taxed and pays health insurance but no social insurance.":"雇用主が予告する場合、勤続1年未満で1か月、1〜5年で2か月、5年後で3か月。組織上または健康上の理由による解雇では、退職金は2、5、10、20年後に平均収入の1、2、3、4か月分。合意による終了ではさらに1か月加算。退職金は課税され健康保険料がかかりますが、社会保険料はかかりません。","After 2 years of unemployment insurance in the last 4: 50% of your daily assessment base for the first 3 months, then 40%, 30% and 20% for months 4, 5 and 6 (for people registering from 1 January 2026).":"過去4年のうち2年の失業保険加入後：最初の3か月は日額算定基礎の50%、その後4、5、6か月目は40%、30%、20%（2026年1月1日以降に登録した人）。","Your tax base is in the range where the non-taxable part shrinks, so each extra euro is taxed at about 25% instead of 19%.":"課税ベースが非課税部分の縮小する範囲にあるため、追加1ユーロごとに19%ではなく約25%で課税されます。","You can claim the €60 child benefit and the child tax bonus at the same time.":"€60の児童手当と子ども税ボーナスは同時に受け取れます。","The €60 child benefit is shown separately; the child tax bonus is included in the tax. A spouse with low income can give the other spouse an extra non-taxable allowance (not modelled).":"€60の児童手当は別に表示し、子ども税ボーナスは税額に含めています。低収入の配偶者は、もう一方の配偶者に追加の非課税控除を与えられます（モデル化していません）。","Odstupné ({m} months)":"Odstupné（{m} か月）","34 weeks at 75%, then parental allowance until 3":"34週75%、その後3歳まで育児手当","2 weeks at 75%":"2週間75%","Until age 3 (flat allowance)":"3歳まで（定額手当）","25% then 55%":"25%、その後55%","Annual tax and contributions for one employee with the 2026 rates and the full non-taxable part. The spouse allowance, pension-saving deductions beyond the third pillar, meal allowances and the 13th/14th salary relief are not modelled.":"2026年の料率と満額の非課税部分を適用した従業員1人の年間の税金と保険料です。配偶者控除、第3の柱以外の年金貯蓄控除、食事手当、13・14か月目の給与の軽減はモデル化していません。","Official sources: Financial Administration (finančná správa: tax rates 2026, child tax bonus 2026), Act 595/2003 on income tax, Social Insurance Agency (Sociálna poisťovňa: contribution rates, current pension value 2026, unemployment benefit from 2026), Labour Code (Act 311/2001), Ministry of Labour (minimum wage 2026, child benefit), National Bank of Slovakia (lending limits), Eurostat.":"公式情報源：財務行政局（finančná správa：2026年の税率、2026年の子ども税ボーナス）、所得税法595/2003、社会保険庁（Sociálna poisťovňa：保険料率、2026年の現在の年金価値、2026年からの失業給付）、労働法典（法律311/2001）、労働省（2026年の最低賃金、児童手当）、スロバキア国立銀行（融資制限）、Eurostat。","Income tax on a tax base of €80,000":"課税ベース€80,000に対する所得税","Non-taxable part at a tax base of €30,000":"課税ベース€30,000での非課税部分","Pension after 40 years on the average wage (per month)":"平均賃金で40年後の年金（月額）","Severance after 12 years, dismissal (months)":"12年後の退職金、解雇（月）","Minimum monthly contributions for the self-employed 2026":"2026年の自営業者の月額保険料の最低額","Sodra social insurance 12.52% (pension, sickness, maternity)":"Sodra社会保険 12.52%（年金、傷病、出産）","Compulsory health insurance 6.98%":"強制健康保険 6.98%","Income tax (GPM 20% / 25% / 32%)":"所得税（GPM 20% / 25% / 32%）","Tax-free amount (NPD) per year":"非課税額（NPD）、年額","Employer contributions 1.77%":"雇用主の保険料 1.77%","Sodra old-age pension: general part {g} (basic pension €327.91 × {y} years ÷ 34.5 required years) plus individual part {i} ({u} pension units × €8.11). Pension age is 65 from 2026 with at least 15 years; up to 5 years earlier with the full record, 0.32% less per month. Pensions within the tax-free amount pay no income tax; the second pillar pays its own annuity.":"Sodraの老齢年金：一般部分 {g}（基礎年金€327.91 × {y} 年 ÷ 必要年数34.5年）に個別部分 {i}（{u} 年金単位 × €8.11）を加えた額。2026年から年金年齢は65歳で最低15年。必要な加入期間があれば最大5年早く、1か月につき0.32%減額。非課税額の範囲内の年金には所得税がかかりません。第2の柱は独自の終身年金を支払います。","VSD 12.52% + PSD 6.98% on 90% of profit":"利益の90%に対してVSD 12.52% + PSD 6.98%","Severance pay ({m} months, Labour Code art. 57)":"退職金（{m} か月、労働法典第57条）","Long-service benefit from the Guarantee Fund ({m} months)":"保証基金からの長期勤続給付（{m} か月）","{a} a month in months 1–3, then less, for up to 9 months (€172.95 + 45% / 35% / 25% of insured income; €370–€1,618.51; rules from 1 July 2026)":"1〜3か月目は月 {a}、その後減少、最長9か月（€172.95 + 被保険所得の45% / 35% / 25%、€370〜€1,618.51、2026年7月1日からの規則）","Guarantee Fund":"保証基金","1 month (2 months shortly before pension or with young children)":"1か月（年金年齢の直前や幼い子どもがいる場合は2か月）","Labour Code art. 57":"労働法典第57条","Lithuania":"リトアニア","Employment income is taxed at 20% up to 36 average wages a year (€83,237), 25% up to 60 average wages (€138,729) and 32% above (new from 2026). The monthly tax-free amount (NPD) is €747 for pay up to the €1,153 minimum wage and falls by 49 cents per euro above it, ending at about €2,677.":"給与所得は年間平均賃金の36倍（€83,237）まで20%、60倍（€138,729）まで25%、それを超える部分は32%で課税されます（2026年から新設）。月の非課税額（NPD）は最低賃金€1,153までの給与で€747、それを超える1ユーロごとに49セント減り、約€2,677で終わります。","Sodra contributions":"Sodraの保険料","Employees pay 19.5%: 12.52% social insurance (pension 8.72%, sickness 2.09%, maternity 1.71%), capped at 60 average wages a year, and 6.98% health insurance without a cap. Employers pay 1.77% (2.49% on fixed-term contracts). Members of the second pillar add 3% of pay, topped up by the state.":"従業員は19.5%を払います：12.52%の社会保険（年金8.72%、傷病2.09%、出産1.71%）は年間平均賃金の60倍が上限、6.98%の健康保険は上限なし。雇用主は1.77%（有期契約は2.49%）。第2の柱の加入者は給与の3%を追加し、国が上乗せします。","Overtime and night work are paid at least 1.5 times the normal rate, and work on a rest day or public holiday at least double. Overtime may not exceed 8 hours in a 7-day period without consent, and 180 hours a year.":"時間外労働と深夜労働は通常の1.5倍以上、休日や祝日の労働は少なくとも2倍で支払われます。時間外労働は同意なしに7日間で8時間、年180時間を超えてはなりません。","180 h / year":"年180時間","Individual activity (pažyma)":"個人活動（pažyma）","You can deduct actual expenses or a flat 30% of income. Profit up to €20,000 is taxed at 5%; the rate rises to 15% at €35,000 and 20% at €42,500, and above that the general 20% / 25% / 32% scale applies (from 2026). Social insurance (VSD 12.52%) and health insurance (PSD 6.98%) are paid on 90% of profit.":"実費または所得の30%の定率経費を控除できます。€20,000までの利益は5%で課税され、€35,000で15%、€42,500で20%に上がり、それを超えると一般の20% / 25% / 32%の税率表が適用されます（2026年から）。社会保険（VSD 12.52%）と健康保険（PSD 6.98%）は利益の90%に対して払います。","Sodra old-age pension":"Sodraの老齢年金","The pension has a general part, the basic pension (€327.91 in 2026) scaled by your years of insurance against the required record (34.5 years in 2026, 35 from 2027), and an individual part: one pension unit for each year at the average wage (up to 5 a year), worth €8.11 each in 2026.":"年金は、一般部分である基礎年金（2026年は€327.91）を必要な加入期間（2026年は34.5年、2027年から35年）に対する保険加入年数で調整した額と、個別部分（平均賃金で働いた1年ごとに1年金単位、年最大5単位、2026年は1単位€8.11）からなります。","Age and early pension":"年齢と繰上げ年金","From 2026 the pension age is 65 for men and women, with at least 15 years. With the full required record you can retire up to 5 years earlier, with 0.32% less for each month. People without enough years can receive the social assistance pension (€261 a month).":"2026年から年金年齢は男女とも65歳、最低15年。必要な加入期間を満たしていれば最大5年早く、1か月につき0.32%減額で退職できます。年数が足りない人は社会扶助年金（月€261）を受け取れます。","Third-pillar pension contributions can be deducted from taxable income in the annual return (together with other allowable expenses, up to 25% of income).":"第3の柱の年金拠出は、年間申告で課税所得から控除できます（その他の控除可能な支出と合わせて所得の25%まで）。","Third-pillar pension funds and life insurance: contributions reduce your income tax in the annual return, and payouts after pension age (or after at least 18 years) are tax-free. The second pillar (3% of your pay plus a state top-up) is a separate account inside Sodra’s system.":"第3の柱の年金基金と生命保険：拠出は年間申告で所得税を減らし、年金年齢以降（または少なくとも18年後）の受け取りは非課税です。第2の柱（給与の3%に国の上乗せ）はSodraの制度内の別の口座です。","Restoration of the State":"国家再建記念日","Mother’s Day":"母の日","Father’s Day":"父の日","St John’s Day (Midsummer)":"聖ヨハネの日（夏至祭）","Statehood Day":"国家の日","All Souls’ Day":"死者の日","20 working days of paid leave a year for a 5-day week (24 for a 6-day week); 25 days for workers under 18, single parents of children under 14 and disabled workers. Mother’s Day and Father’s Day always fall on a Sunday. Amendments to the Labour Code take effect on 1 November 2026.":"週5日制で年20労働日の有給休暇（週6日制で24日）。18歳未満の労働者、14歳未満の子どものひとり親、障害のある労働者は25日。母の日と父の日は常に日曜日。労働法典の改正は2026年11月1日に施行されます。","126 days (70 before and 56 after the birth)":"126日（産前70日と産後56日）","77.58% of insured income":"被保険所得の77.58%","30 days during the first 3 months":"最初の3か月以内に30日","Until the child is 18 or 24 months (2 months reserved for each parent)":"子どもが18か月または24か月になるまで（親それぞれ2か月を割り当て）","60% of income (18 months) or 45% then 30% (24 months)":"所得の60%（18か月）、または45%その後30%（24か月）","Child money (vaiko pinigai)":"児童手当（vaiko pinigai）","€129.50 a month per child up to 18 (longer in education)":"18歳まで子ども1人につき月€129.50（就学中はそれ以降も）","Days 1–2 paid by the employer, then by Sodra":"1〜2日目は雇用主が支給、その後Sodra","62.06% of insured income":"被保険所得の62.06%","Dismissed at the employer’s initiative (not my fault)":"雇用主の都合による解雇（本人に責任なし）","When the employer dismisses you without your fault the notice is 1 month (2 months if you are less than 5 years from pension age or raise young children). Severance is 2 average monthly wages, or half a month under 1 year of service; with 5, 10 or 20 years the Guarantee Fund adds a long-service benefit of 1, 2 or 3 months.":"雇用主が本人に責任のない解雇をする場合、予告は1か月（年金年齢まで5年未満、または幼い子どもを養育中なら2か月）。退職金は平均月給2か月分、勤続1年未満なら半月分。5、10、20年勤続なら保証基金が1、2、3か月分の長期勤続給付を追加します。","From 1 July 2026: a fixed part of 15% of the minimum wage (€172.95) plus 45% of your average insured income in months 1–3, 35% in months 4–6 and 25% in months 7–9; at least €370 and at most €1,618.51 a month. You need 12 months of insurance in the last 24.":"2026年7月1日から：最低賃金の15%の固定部分（€172.95）に、平均被保険所得の1〜3か月目は45%、4〜6か月目は35%、7〜9か月目は25%を加算。最低€370、最高月€1,618.51。過去24か月のうち12か月の保険加入が必要。","Between €1,153 and €2,677 a month the tax-free amount shrinks by 49 cents per euro, so each extra euro costs about 30% in tax on top of Sodra.":"月€1,153から€2,677までは非課税額が1ユーロごとに49セント減るため、追加1ユーロごとにSodraに加えて約30%の税金がかかります。","Joining the second pillar adds 3% of your pay to your own account, and the state adds a top-up.":"第2の柱に加入すると、給与の3%が自分の口座に入り、国が上乗せします。","Child money (€129.50 a month per child) is shown separately. Each spouse is taxed individually; there is no joint filing.":"児童手当（子ども1人につき月€129.50）は別に表示しています。配偶者はそれぞれ個別に課税され、合算申告はありません。","2 months + Guarantee Fund benefit":"2か月 + 保証基金の給付","126 days at 77.58%, then childcare leave at 60% until 18 months":"126日77.58%、その後18か月まで育児休業60%","30 days at 77.58%":"30日77.58%","Until 18 or 24 months, 2 months reserved per parent":"18か月または24か月まで、親それぞれ2か月を割り当て","62.06% (employer days 1–2)":"62.06%（雇用主1〜2日目）","Annual tax and Sodra contributions for one employee with the 2026 rules, not in the second pillar. Allowable expenses in the annual return (other than pension savings), the extra NPD for disability and contracts other than employment are not modelled.":"2026年の規則による、第2の柱に加入していない従業員1人の年間の税金とSodraの保険料です。年間申告での控除可能な支出（年金貯蓄以外）、障害による追加のNPD、雇用契約以外の契約はモデル化していません。","Official sources: State Tax Inspectorate (VMI: tax changes from 1 January 2026, NPD), Sodra (contribution rates, VDU 2026, pension units, unemployment benefit from 1 July 2026), Ministry of Social Security and Labour (basic pension, child money), Labour Code, Bank of Lithuania (lending limits), Eurostat.":"公式情報源：国家税務監督局（VMI：2026年1月1日からの税制変更、NPD）、Sodra（保険料率、2026年のVDU、年金単位、2026年7月1日からの失業給付）、社会保障労働省（基礎年金、児童手当）、労働法典、リトアニア銀行（融資制限）、Eurostat。","Net pay on €2,000 a month":"月€2,000に対する手取り","Monthly tax-free amount on the minimum wage":"最低賃金での月の非課税額","Income tax on €150,000 of yearly pay (after NPD)":"年収€150,000に対する所得税（NPD後）","Unemployment benefit, month 1, insured income €2,000":"失業給付、1か月目、被保険所得€2,000","Child money, 2 children (per year)":"児童手当、子ども2人（年額）","Social insurance contributions (VSAOI) 10.5%":"社会保険料（VSAOI）10.5%","Personal income tax 25.5% (33% above €105,300)":"個人所得税25.5%（€105,300超は33%）","Non-taxable minimum and dependant allowances (per year)":"非課税の最低額と扶養控除（年額）","Employer contributions 23.59% + risk duty":"雇用主の保険料23.59% + リスク賦課金","Notional account pension: the {c} recorded on your account (14% of pay each year, as a second-pillar member, indexed to wages) divided by G = {g} years of expected payout at your age and by 12. Pension age is 65 with at least 20 years; with 30 years you can retire from 63 but receive only 50% until 65. Pensions above €1,000 a month pay 25.5% income tax. Your second-pillar fund (6% of pay) is paid on top.":"概念上の口座による年金：口座に記録された {c}（第2の柱の加入者として毎年給与の14%、賃金で指数化）を、その年齢の予想支給期間 G = {g} 年と12で割った額です。年金年齢は65歳で最低20年。30年加入なら63歳から退職できますが、65歳までは50%しか支給されません。月€1,000を超える年金には25.5%の所得税がかかります。第2の柱の基金（給与の6%）は別途支払われます。","VSAOI 31.07% up to the minimum wage + 10% pension above":"最低賃金までVSAOI 31.07% + それを超える部分に年金10%","Redundancy pay ({m} months, Labour Law s. 112)":"整理解雇手当（{m} か月、労働法第112条）","{a} a month in months 1–2 ({p} of your average insured pay), then 75%, 50% and 45% of that, 8 months in total":"1〜2か月目は月 {a}（平均被保険給与の {p}）、その後その75%、50%、45%、合計8か月","Labour Law s. 103":"労働法第103条","Latvia":"ラトビア","Pay is taxed at 25.5% after social insurance and the non-taxable minimum of €550 a month (€250 more per dependant); yearly income above €105,300 is taxed at 33%, settled in the annual return. The non-taxable minimum applies only with the employer that holds your tax book.":"給与は社会保険料と月€550の非課税最低額（扶養家族1人につき€250追加）を引いた後に25.5%で課税されます。年収€105,300を超える部分は33%で課税され、年間申告で精算されます。非課税最低額は、税務手帳を預けている雇用主の下でのみ適用されます。","Employees pay 10.5% and employers 23.59% of pay up to €105,300 a year, plus a business risk duty of €0.36 a month. Of the pension part, 6% goes to the second-pillar fund for most workers. Minimum wage €780 a month.":"従業員は10.5%、雇用主は23.59%を年€105,300までの給与に払い、さらに月€0.36の事業リスク賦課金がかかります。年金部分のうち、ほとんどの労働者は6%が第2の柱の基金に入ります。最低賃金は月€780。","Labour Law":"労働法","Overtime is paid with at least 100% extra and may not exceed 144 hours in a 4-month period. Night work earns at least 50% extra, and work on a public holiday at least 100% extra.":"時間外労働は少なくとも100%の割増で支払われ、4か月間で144時間を超えてはなりません。深夜労働は少なくとも50%、祝日の労働は少なくとも100%の割増。","144 h / 4 months":"4か月で144時間","Self-employed (general regime)":"自営業者（一般制度）","Contributions are 31.07% on income up to the €780 monthly minimum wage and a 10% pension contribution on the income above it. Income tax is 25.5% of profit after contributions and the non-taxable minimum (33% above €105,300). The micro-enterprise tax and patent fee regimes are not modelled.":"保険料は月の最低賃金€780までの所得に31.07%、それを超える所得に10%の年金保険料。所得税は保険料と非課税最低額を引いた利益の25.5%（€105,300超は33%）。マイクロ企業税と特許手数料の制度はモデル化していません。","Notional account pension":"概念上の口座による年金","Contributions of 14% of pay (20% if you are not in the second pillar) are recorded on a personal account and indexed with the national wage bill. At retirement the capital is divided by G, the expected payout period at your age (17.24 years at 65 in the 2025 table, updated each January from life expectancy).":"給与の14%（第2の柱に加入していない場合は20%）の保険料が個人口座に記録され、全国の賃金総額で指数化されます。退職時に資本をG（その年齢の予想支給期間、2025年の表で65歳は17.24年、毎年1月に平均余命から更新）で割ります。","Age and minimum":"年齢と最低額","Pension age is 65 with at least 20 years of insurance. With 30 years you can retire 2 years earlier, but the pension is paid at 50% until 65. A minimum pension applies (base €213 in 2026, more with longer service); pensions above €1,000 a month are taxed at 25.5%.":"年金年齢は65歳で、最低20年の保険加入。30年加入なら2年早く退職できますが、年金は65歳まで50%で支給されます。最低年金があり（2026年の基準€213、加入期間が長いほど増額）、月€1,000を超える年金は25.5%で課税されます。","Contributions to a private pension fund (third pillar) reduce taxable income by up to 20% of it and at most €4,000 a year (together with life insurance and investment accounts).":"個人年金基金（第3の柱）への拠出は、課税所得をその20%まで、年最大€4,000（生命保険と投資口座を合わせて）減らします。","Private pension funds (third pillar): contributions reduce your income tax and the money can be taken from age 55 (from 60 for newer contracts). The second pillar, financed from 6% of your pay, is a separate fund paid with your state pension.":"個人年金基金（第3の柱）：拠出で所得税が下がり、55歳から（新しい契約は60歳から）引き出せます。給与の6%を財源とする第2の柱は、国の年金とともに支払われる別の基金です。","Midsummer Eve (Līgo)":"夏至祭前夜（Līgo）","Midsummer Day (Jāņi)":"夏至祭（Jāņi）","New Year’s Eve":"大晦日","At least 4 calendar weeks of paid leave a year (20 working days), not counting public holidays; parents of children under 14 get extra days. 4 May and 18 November move to Monday when they fall on a weekend.":"祝日を除き年に少なくとも4暦週の有給休暇（20労働日）。14歳未満の子どもの親は追加の日数があります。5月4日と11月18日は週末に当たると月曜に移動します。","112 days (56 before and 56 after the birth)":"112日（産前56日と産後56日）","80% of average insured pay":"平均被保険給与の80%","10 working days within 6 months of the birth":"出産後6か月以内に10労働日","Until the child is 1 (or 1½); 2 months reserved for each parent":"子どもが1歳（または1歳半）になるまで。親それぞれ2か月を割り当て","43.75% (or 30% over 1½ years) of insured pay; 60% for the reserved months":"被保険給与の43.75%（1歳半までなら30%）、割り当ての月は60%","Family state benefit":"国の家族手当","€25 a month for one child, €100 for two, €225 for three, €100 per child for four or more":"子ども1人で月€25、2人で€100、3人で€225、4人以上は1人につき€100","Days 2–10 paid by the employer, then sickness benefit from VSAA":"2〜10日目は雇用主が支給、その後VSAAの傷病手当","75% (days 2–3), then 80%":"75%（2〜3日目）、その後80%","Dismissed for redundancy or other reasons not my fault":"整理解雇またはその他本人に責任のない理由による解雇","The employer gives 1 month’s notice (10 days in some cases). Redundancy pay is 1 month’s average earnings with less than 5 years of service, 2 months for 5–10 years, 3 months for 10–20 years and 4 months after 20 years. It is subject to income tax but not to social insurance.":"雇用主は1か月前に予告します（場合により10日）。整理解雇手当は勤続5年未満で平均収入1か月分、5〜10年で2か月分、10〜20年で3か月分、20年後で4か月分。所得税はかかりますが、社会保険料はかかりません。","50% of your average insured pay with 1–9 years of insurance, 55% with 10–19, 60% with 20–29 and 65% with 30 or more, for months 1–2; then 75% of that in months 3–4, 50% in 5–6 and 45% in 7–8. From 1 April 2026 any work income suspends the benefit.":"1〜2か月目は、保険加入1〜9年で平均被保険給与の50%、10〜19年で55%、20〜29年で60%、30年以上で65%。その後3〜4か月目はその75%、5〜6か月目は50%、7〜8か月目は45%。2026年4月1日から、就労所得があると給付が停止されます。","Give your tax book to your main employer, or the €550 non-taxable minimum is applied only in the annual return.":"税務手帳を主な雇用主に預けてください。そうしないと€550の非課税最低額は年間申告でしか適用されません。","The family state benefit is shown separately (€25 a month for one child, €100 for two, €225 for three). Each dependant child adds €250 a month to the non-taxable amount of the parent who claims them.":"国の家族手当は別に表示しています（子ども1人で月€25、2人で€100、3人で€225）。扶養する子ども1人ごとに、申請する親の非課税額が月€250増えます。","Redundancy pay ({m} months)":"整理解雇手当（{m} か月）","112 days at 80%, then parental benefit until age 1":"112日80%、その後1歳まで育児手当","10 working days at 80%":"10労働日80%","Until age 1 or 1½, 2 months reserved per parent":"1歳または1歳半まで、親それぞれ2か月を割り当て","75–80% (employer days 2–10)":"75〜80%（雇用主2〜10日目）","Annual tax and contributions for one employee whose tax book is with this employer, with the 2026 rules. Deductions for education and medical costs, the higher tax-free amount for pensioners and disabled people, and the micro-enterprise regime are not modelled.":"2026年の規則による、税務手帳をこの雇用主に預けている従業員1人の年間の税金と保険料です。教育費と医療費の控除、年金受給者と障害者の高い非課税額、マイクロ企業制度はモデル化していません。","Official sources: State Revenue Service (VID: non-taxable minimum, IIN and VSAOI rates 2026), State Social Insurance Agency (VSAA: pensions, G table, unemployment benefit from 1 April 2026, family benefit), Ministry of Welfare, Labour Law, Bank of Latvia (borrower-based measures), Eurostat.":"公式情報源：国家歳入庁（VID：非課税最低額、2026年のIINとVSAOIの料率）、国家社会保険庁（VSAA：年金、Gの表、2026年4月1日からの失業給付、家族手当）、福祉省、労働法、ラトビア銀行（借り手向けの措置）、Eurostat。","Net pay on the €780 minimum wage":"最低賃金€780での手取り","Income tax on €120,000 of taxable income":"課税所得€120,000に対する所得税","Pension from €100,000 of capital at 65 (per month)":"65歳での資本€100,000からの年金（月額）","Redundancy pay after 12 years (months)":"12年後の整理解雇手当（月）","Unemployment benefit rate with 22 years insured":"保険加入22年での失業給付の率","Family state benefit, 2 children (per year)":"国の家族手当、子ども2人（年額）","Social contributions 23.1% (pension 15.5%, health 6.36%, long-term care 1%, other 0.24%)":"社会保険料23.1%（年金15.5%、健康6.36%、介護1%、その他0.24%）","Compulsory health contribution (€39.36 a month)":"強制健康保険料（月€39.36）","Income tax (dohodnina, 16–50%)":"所得税（dohodnina、16〜50%）","General tax relief (per year)":"一般税額控除（年額）","Employer contributions 17.1%":"雇用主の保険料 17.1%","Old-age pension: {a} of your pension base ({b}, the average net pay of your best 24 years, revalued), from 29.5% for 15 years plus 1.36 points a year (63.5% at 40 years; up to 3 points more for each of years 41–43). You can retire at 65 with 15 years or at 60 with 40 years. An annual allowance is paid each autumn; tax on larger pensions is not deducted here.":"老齢年金：年金算定基礎（{b}、最も良い24年の平均手取り、再評価）の {a}。15年で29.5%から1年ごとに1.36ポイント加算（40年で63.5%、41〜43年目はそれぞれ最大3ポイント追加）。15年加入で65歳、または40年加入で60歳から退職できます。毎年秋に年次手当が支払われます。高額の年金にかかる税金はここでは差し引いていません。","Minimum contributions of a sole trader (€651.04 a month)":"個人事業主の最低保険料（月€651.04）","Severance pay ({f} of monthly pay per year of service)":"退職金（勤続1年につき月給の {f}）","{a} a month in months 1–3 (80% of your average gross pay, €1,037.32–€1,926.44), then 60% and 50%, for {n} months (gross)":"1〜3か月目は月 {a}（平均総支給の80%、€1,037.32〜€1,926.44）、その後60%と50%、{n} か月（総額）","Notice (business reasons)":"予告（事業上の理由）","Severance per year":"1年あたりの退職金","{d} days":"{d} 日","30 days (60 after 1 year in some contracts)":"30日（一部の契約では1年後に60日）","Employment Relationships Act art. 94":"雇用関係法第94条","Slovenia":"スロベニア","Income tax (dohodnina) 2026":"所得税（dohodnina）2026年","The yearly net tax base is taxed at 16% up to €9,721.43, 26% up to €28,592.44, 33% up to €57,184.88, 39% up to €82,346.23 and 50% above. The general relief is €5,551.93, increased by 20,832.39 − 1.17259 × income for total income up to €17,766.18. Reliefs for children and the young are not included.":"年間の純課税ベースは、€9,721.43まで16%、€28,592.44まで26%、€57,184.88まで33%、€82,346.23まで39%、それを超える部分は50%で課税されます。一般控除は€5,551.93で、総所得€17,766.18までは20,832.39 − 1.17259 × 所得の分だけ増額。子どもと若者向けの控除は含まれません。","Employees pay 23.1% (pension 15.5%, health 6.36%, long-term care 1% since July 2025, parental 0.1%, employment 0.14%) and a flat compulsory health contribution of €39.36 a month. Employers pay 17.1%. Minimum wage €1,481.88 a month from January 2026.":"従業員は23.1%（年金15.5%、健康6.36%、介護1%（2025年7月から）、育児0.1%、雇用0.14%）と、月€39.36の定額の強制健康保険料を払います。雇用主は17.1%。最低賃金は2026年1月から月€1,481.88。","Employment Relationships Act and collective agreements":"雇用関係法と労働協約","Overtime is limited to 8 hours a week, 20 a month and 170 a year; the supplement is set by collective agreements, usually 30%. Night work typically adds 50%, and work on Sundays and public holidays 50% or more.":"時間外労働は週8時間、月20時間、年170時間まで。割増は労働協約で定められ、通常30%。深夜労働は一般に50%、日曜と祝日の労働は50%以上を加算。","8 h / week, 170 h / year":"週8時間、年170時間","Sole trader with normed expenses (normiranec)":"標準経費の個人事業主（normiranec）","A full-time normiranec deducts 80% of revenue as normed expenses and pays a final 20% tax on the remaining 20% (4% of revenue). Minimum social contributions are €651.04 a month from March 2026 (40.2% of 60% of the 2025 average wage, plus the flat health contribution). The 2026 reform lowers the revenue limit and adds income brackets; check your eligibility.":"専業のnormiranecは収入の80%を標準経費として控除し、残りの20%に最終的な20%の税（収入の4%）を払います。最低社会保険料は2026年3月から月€651.04（2025年平均賃金の60%の40.2%に、定額の健康保険料を加算）。2026年の改革で収入上限が下がり、所得区分が追加されます。適格かどうかをご確認ください。","The pension is a percentage of your pension base, the average net pay of your best 24 consecutive years, revalued: 29.5% for 15 years plus 1.36 points for each further year, 63.5% for 40 years (men and women alike since 2023); years 41–43 add more. From 2035 each year will count 1.6 points (70% at 40 years).":"年金は年金算定基礎（最も良い連続24年の平均手取り、再評価）に対する割合です：15年で29.5%、以降1年ごとに1.36ポイント加算、40年で63.5%（2023年から男女同じ）。41〜43年目はさらに加算。2035年からは1年あたり1.6ポイント（40年で70%）になります。","Retirement conditions":"退職の条件","In 2026: age 60 with 40 years of pension service, or age 65 with at least 15 years of insurance. The 2024 reform raises the general age gradually to 67 from 2028. Pensioners receive an annual allowance each year.":"2026年：年金加入40年で60歳、または保険加入15年以上で65歳。2024年の改革で一般の年齢は2028年から段階的に67歳に引き上げられます。年金受給者には毎年年次手当が支払われます。","Premiums for supplementary pension insurance (PDPZ), yours and your employer’s together, reduce the tax base up to 5.844% of gross pay and at most €2,819.09 a year.":"補足年金保険（PDPZ）の保険料は、本人と雇用主の分を合わせて、総支給の5.844%、年最大€2,819.09まで課税ベースを減らします。","Voluntary supplementary pension insurance (PDPZ), often co-financed by employers: premiums within the limit are tax-deductible, and the annuity from 60 is taxed (half of it enters the tax base; about 10% of the balance here).":"任意の補足年金保険（PDPZ）は雇用主が共同で拠出することが多く、上限内の保険料は税控除の対象で、60歳からの年金は課税されます（その半分が課税ベースに入る。ここでは残高の約10%）。","New Year’s holiday":"新年の休日","Prešeren Day (culture day)":"プレシェーレンの日（文化の日）","Day of Uprising Against Occupation":"占領に対する蜂起の日","Labour Day (second day)":"メーデー（2日目）","Reformation Day":"宗教改革記念日","Remembrance Day":"追悼の日","Independence and Unity Day":"独立と統一の日","At least 4 weeks of paid leave a year (20 days for a 5-day week), plus extra days for older workers, parents of children under 15 and disabled workers. Holidays on a weekend are not moved. Employers must also pay a holiday allowance (regres) of at least the minimum wage, largely free of tax and contributions.":"年に少なくとも4週間の有給休暇（週5日制で20日）、高齢の労働者、15歳未満の子どもの親、障害のある労働者には追加の日数。週末の祝日は振り替えられません。雇用主は少なくとも最低賃金額の休暇手当（regres）も支払わなければならず、その大部分は税金と保険料が免除されます。","105 days, starting 28 days before the birth":"105日、出産28日前から","100% of average pay":"平均給与の100%","15 working days until the child is 3 months old":"子どもが生後3か月になるまでに15労働日","90% of average pay":"平均給与の90%","160 days per parent (60 not transferable), until the child is 8":"親1人につき160日（60日は譲渡不可）、子どもが8歳になるまで","90% of average pay (with a ceiling)":"平均給与の90%（上限あり）","Monthly amount by family income and number of children":"世帯所得と子どもの数による月額","Income-tested, not included here":"所得審査あり、ここには含まれません","Days 1–20 paid by the employer, then by the health insurance fund (ZZZS)":"1〜20日目は雇用主が支給、その後健康保険基金（ZZZS）","80% of pay for illness (90% after 90 days)":"病気の場合は給与の80%（90日後は90%）","Dismissed for business reasons":"事業上の理由による解雇","For a dismissal on business grounds the notice is 15 days under 1 year of service, 30 days from 1 year, 2 more days for each year after 2 years up to 60 days, and 80 days after 25 years. Severance is 1/5 of average monthly pay for each year of service with 1–10 years, 1/4 with 10–20 years and 1/3 after 20 years, normally capped at 10 months’ pay; it is free of tax and contributions within the statutory amount.":"事業上の理由による解雇の場合、予告は勤続1年未満で15日、1年から30日、2年以降は1年ごとに2日ずつ増えて最大60日、25年後は80日。退職金は勤続1〜10年で1年につき平均月給の1/5、10〜20年で1/4、20年後で1/3、通常は給与10か月分が上限。法定額の範囲内では税金と保険料が免除されます。","From 2026: 80% of your average gross pay of the last 8 months for months 1–3 (at least €1,037.32, at most €1,926.44), then 60% (with lower ceilings) until month 12 and 50% after. It lasts 3 months with up to 5 years of insurance, 6 with 5–15, 9 with 15–25, 12 above 25 years, and 19 or 25 months for older workers with long careers.":"2026年から：1〜3か月目は直近8か月の平均総支給の80%（最低€1,037.32、最高€1,926.44）、その後12か月目まで60%（上限は低め）、それ以降は50%。期間は保険加入5年までで3か月、5〜15年で6か月、15〜25年で9か月、25年超で12か月、長いキャリアの高齢労働者は19か月または25か月。","Ask about your employer’s supplementary pension plan (PDPZ): premiums up to €2,819.09 a year are free of income tax.":"雇用主の補足年金プラン（PDPZ）について尋ねてください：年€2,819.09までの保険料は所得税が免除されます。","Child benefit in Slovenia depends on family income and is not included. Each child also gives a tax relief to the parent who claims it (not modelled).":"スロベニアの児童手当は世帯所得によって異なり、含まれません。子ども1人ごとに、申請する親に税控除もあります（モデル化していません）。","1/5–1/3 of pay per year":"1年につき給与の1/5〜1/3","105 days at 100%, then parental leave at 90%":"105日100%、その後育児休業90%","15 working days at 90%":"15労働日90%","160 days per parent at 90%":"親1人につき160日90%","80% (employer days 1–20)":"80%（雇用主1〜20日目）","Annual tax and contributions for one employee with the 2026 scale and the general relief only. Child, young-person and other reliefs, the holiday allowance (regres) and Christmas bonuses, and meal and travel allowances are not modelled.":"2026年の税率表と一般控除のみを適用した従業員1人の年間の税金と保険料です。子ども、若者その他の控除、休暇手当（regres）とクリスマス賞与、食事・通勤手当はモデル化していません。","Official sources: Financial Administration (FURS: tax scale and reliefs 2026, Uradni list RS 104/25), ZPIZ (pension accrual and conditions), Employment Service of Slovenia (ESS: unemployment benefit 2026), ZZZS (compulsory health contribution), Employment Relationships Act (ZDR-1), Ministry of Labour (minimum wage 2026), Bank of Slovenia (lending limits), Eurostat.":"公式情報源：財務行政局（FURS：2026年の税率表と控除、Uradni list RS 104/25）、ZPIZ（年金の積立と条件）、スロベニア雇用サービス（ESS：2026年の失業給付）、ZZZS（強制健康保険料）、雇用関係法（ZDR-1）、労働省（2026年の最低賃金）、スロベニア銀行（融資制限）、Eurostat。","Income tax on a net tax base of €30,000":"純課税ベース€30,000に対する所得税","General relief at a total income of €15,000":"総所得€15,000での一般控除","Employee contributions on €2,500 a month (incl. flat health contribution)":"月€2,500に対する従業員の保険料（定額の健康保険料を含む）","Pension accrual rate for 40 years":"40年での年金の給付率","Maximum unemployment benefit, months 1–3 (gross)":"失業給付の上限、1〜3か月目（総額）","Unemployment benefit duration with 20 years insured (months)":"保険加入20年での失業給付の期間（月）","Minimum monthly contributions of a sole trader (from March 2026)":"個人事業主の月額保険料の最低額（2026年3月から）","No transfer tax for the buyer (the seller pays income tax on the sale)":"購入者に移転税なし（売主が売却益に所得税を払う）","Notary fee (regulated tariff) and land registry (ANCPI) 0.15% (estimate, about 1.2%)":"公証人手数料（規制料金）と土地登記（ANCPI）0.15%（推計、約1.2%）","Bank valuation and loan fees (estimate)":"銀行の鑑定とローン手数料（推計）","No real estate transfer tax":"不動産移転税なし","Land registry entry, contract and valuation (estimate)":"土地登記、契約、鑑定（推計）","No transfer tax; notary fee and Centre of Registers fees (estimate, about 0.5%)":"移転税なし。公証人手数料と登記センターの手数料（推計、約0.5%）","State fee for registering ownership in the Land Register (1.5% of value for private buyers)":"土地登記簿への所有権登記の国の手数料（個人購入者は価値の1.5%）","Notary and mortgage registration (estimate, about 0.3%)":"公証人と抵当権登記（推計、約0.3%）","Real property transfer tax 2% (paid by the seller by law)":"不動産移転税2%（法律上は売主が負担）","Notary, land registry and loan costs (estimate, about 0.5%)":"公証人、土地登記、ローンの費用（推計、約0.5%）","No tax relief on mortgage interest; the state-guaranteed Noua Casă programme (5% deposit) is not modelled.":"住宅ローン利息に税控除はありません。国の保証付きNoua Casăプログラム（頭金5%）はモデル化していません。","No tax relief on mortgage interest (the young people’s interest bonus ended).":"住宅ローン利息に税控除はありません（若者向けの利息ボーナスは終了）。","No relief for new mortgages (interest deduction only for loans taken before 2009).":"新規の住宅ローンには控除なし（利息控除は2009年より前に借りたローンのみ）。","National Bank of Romania: a loan in lei of up to 85% of the value (more with the state-guaranteed Noua Casă programme); total debt payments at most 40% of net income, 45% for the first home loan.":"ルーマニア国立銀行：レイ建てのローンは価値の最大85%（国の保証付きNoua Casăプログラムではそれ以上）。債務返済の合計は手取り収入の最大40%、最初の住宅ローンは45%。","National Bank of Slovakia: loan at most 90% of the value (only a limited share of new loans above 80%, with room for young first-time buyers); total debt at most 8 times yearly net income (less from age 41); payments at most 60% of net income after living costs, tested at a higher rate.":"スロバキア国立銀行：ローンは価値の最大90%（80%超の新規ローンは一定割合のみ、若い初回購入者には余地あり）。債務総額は年間手取り収入の最大8倍（41歳からは少なく）。返済額は生活費を引いた手取り収入の最大60%で、より高い金利で審査。","Bank of Lithuania: 85% of the value for the first home (70% for further homes), payments at most 40% of net income (tested at a higher rate), at most 30 years.":"リトアニア銀行：最初の住宅は価値の85%（それ以降の住宅は70%）、返済額は手取り収入の最大40%（より高い金利で審査）、期間は最長30年。","Bank of Latvia: loan at most 90% of the value, payments at most 40% of net income (45% for energy-efficient homes), total debt at most 6 times yearly net income (8 times for energy-efficient homes), at most 30 years.":"ラトビア銀行：ローンは価値の最大90%、返済額は手取り収入の最大40%（省エネ住宅は45%）、債務総額は年間手取り収入の最大6倍（省エネ住宅は8倍）、期間は最長30年。","Bank of Slovenia: payments at most 50% of net income (with a protected minimum for low incomes) and loans of up to 80% of the property value.":"スロベニア銀行：返済額は手取り収入の最大50%（低所得者には保護された最低額あり）、ローンは不動産価値の80%まで。","Gross needed: {g} a month ({y} a year without bonus)":"必要な総支給：月 {g}（賞与なしで年 {y}）","I enter":"入力する金額","Gross pay (before tax)":"総支給（税引前）","The net pay I want (find the gross)":"希望する手取り（総支給を求める）","These results use the {y} rules. The {n} changes (new tax bands, contribution caps, minimum wages, pension values) are being added country by country; until then, results for {n} can differ.":"これらの結果は{y}年の規則を使っています。{n}年の変更（新しい税率区分、保険料の上限、最低賃金、年金額）は国ごとに追加中です。それまでは{n}年の結果が異なる場合があります。","These results use the {y} rules for {c}. The {n} changes (new tax bands, contribution caps, minimum wage, pension values) are being added; until then, results for {n} can differ.":"これらの結果は{c}の{y}年の規則を使っています。{n}年の変更（新しい税率区分、保険料の上限、最低賃金、年金額）は追加中です。それまでは{n}年の結果が異なる場合があります。","{y} rules for every country":"すべての国で{y}年の規則","{y} rules for {c}":"{c}の{y}年の規則","Last checked against official sources: {m}":"公式情報源との最終確認：{m}","Public holidays on weekdays in 2026 (Ontario)":"2026年の平日の祝日（オンタリオ）","Legal minimum annual leave (working days)":"法定最低年次休暇（労働日）","Ontario land transfer tax on a $500,000 home (not a first-time buyer)":"$500,000の住宅に対するオンタリオの土地移転税（初回購入者以外）","Stamp tax on a $100,000,000 mortgage loan":"$100,000,000の住宅ローンに対する印紙税","Transfer tax on a €200,000 home":"€200,000の住宅に対する移転税","Alberta":"アルバータ","British Columbia":"ブリティッシュコロンビア","Manitoba":"マニトバ","New Brunswick":"ニューブランズウィック","Newfoundland and Labrador":"ニューファンドランド・ラブラドール","Nova Scotia":"ノバスコシア","Ontario":"オンタリオ","Prince Edward Island":"プリンスエドワードアイランド","Quebec":"ケベック","Saskatchewan":"サスカチュワン","Québec Pension Plan (QPP) 6.30%":"ケベック年金制度（QPP）6.30%","Canada Pension Plan (CPP) 5.95%":"カナダ年金制度（CPP）5.95%","Second additional QPP 4% (QPP2)":"第2追加QPP 4%（QPP2）","Second additional CPP 4% (CPP2)":"第2追加CPP 4%（CPP2）","Employment Insurance 1.30%":"雇用保険 1.30%","Employment Insurance 1.63%":"雇用保険 1.63%","Québec Parental Insurance Plan 0.430%":"ケベック育児保険制度 0.430%","Federal income tax (after the 16.5% Quebec abatement)":"連邦所得税（ケベックの16.5%減額後）","Provincial income tax ({p})":"州所得税（{p}）","Ontario Health Premium":"オンタリオ医療保険料","Federal basic personal amount":"連邦基礎控除額","Employer QPP, EI (1.4 times yours) and QPIP":"雇用主のQPP、EI（本人の1.4倍）、QPIP","Employer CPP and EI (1.4 times yours)":"雇用主のCPPとEI（本人の1.4倍）","CPP retirement pension {c} a month: 25% of your average earnings up to the YMPE ($74,600) over your best years, plus the enhancements since 2019 (8.33% of earnings up to the YMPE and 33.33% between $74,600 and $85,000, averaged over 40 years). It is cut by 0.6% for each month before 65 (from 60) and raised by 0.7% a month after 65, up to 70. Old Age Security from 65: {o} a month ({r} of 40 years lived in Canada after 18; up to $762.50 for ages 65–74, 10% more from 75; reduced by 15% of income above $93,454). The Guaranteed Income Supplement for low incomes is not included; tax is estimated for {p}.":"CPP退職年金 月 {c}：最も良い年のYMPE（$74,600）までの平均収入の25%に、2019年からの拡充分（YMPEまでの収入の8.33%と$74,600〜$85,000の33.33%、40年平均）を加算。65歳より前（60歳から）は1か月につき0.6%減額、65歳以降は70歳まで1か月につき0.7%増額。65歳からの老齢保障（OAS）：月 {o}（18歳以降カナダに住んだ40年のうち {r}、65〜74歳は最大$762.50、75歳から10%増、所得$93,454超の15%を減額）。低所得者向けの保証所得補足は含まれません。税金は{p}について推計しています。","QPP both halves 12.6% + QPP2 8% (EI optional, not included)":"QPPの労使両方分12.6% + QPP2 8%（EIは任意、含まない）","CPP both halves 11.9% + CPP2 8% (EI optional, not included)":"CPPの労使両方分11.9% + CPP2 8%（EIは任意、含まない）","Employment Standards Act, 2000 (s. 57 and 64)":"Employment Standards Act, 2000（第57条・第64条）","Act respecting labour standards (s. 82)":"Act respecting labour standards（第82条）","Employment Standards Act (s. 63)":"Employment Standards Act（第63条）","Employment Standards Code (s. 56)":"Employment Standards Code（第56条）","Pay in lieu of notice ({w} weeks)":"予告に代わる支払い（{w} 週）","Ontario severance pay ({w} weeks, employer payroll of $2.5 million or more)":"オンタリオの退職金（{w} 週、雇用主の給与総額が$250万以上）","{a} a week for about {n} weeks (55% of insurable earnings, at most $729 a week, after a one-week waiting period; the number of weeks depends on your hours and the regional unemployment rate, here {u}%)":"週 {a} を約 {n} 週（被保険収入の55%、週最大$729、1週間の待期の後。週数は労働時間と地域の失業率によって異なり、ここでは {u}%）","Minimum notice":"最低予告","{w} weeks":"{w} 週","None required by law (two weeks is customary)":"法律上の義務なし（2週間が慣例）","{w} weeks (minimum under the {p} employment standards)":"{w} 週（{p}の雇用基準による最低）","Provincial employment standards act":"州の雇用基準法","Canada":"カナダ","Province":"州","Regional unemployment rate %":"地域の失業率 %","Employer payroll of $2.5 million or more (Ontario severance pay)":"雇用主の給与総額が$250万以上（オンタリオの退職金）","Years lived in Canada after age 18 (for OAS)":"18歳以降のカナダ在住年数（OAS用）","Federal rates are 14% up to $58,523, 20.5% up to $117,045, 26% up to $181,440, 29% up to $258,482 and 33% above (the lowest rate was cut from 15% in 2025). Credits at 14% for the basic personal amount ($16,452, reduced to $14,829 at high incomes), the Canada employment amount ($1,501) and base CPP and EI contributions; the enhanced CPP contributions are deducted from income. In Quebec, federal tax is cut by 16.5%.":"連邦税率は$58,523まで14%、$117,045まで20.5%、$181,440まで26%、$258,482まで29%、それを超える部分は33%（最低税率は2025年に15%から引き下げ）。基礎控除額（$16,452、高所得では$14,829に減額）、カナダ雇用控除額（$1,501）、基本のCPPとEIの保険料に14%の税額控除。拡充分のCPP保険料は所得から控除。ケベックでは連邦税が16.5%減額されます。","Provincial income tax":"州所得税","Each province has its own brackets and credits; all ten provinces use their 2026 values (British Columbia raised its lowest rate to 5.60% for 2026, Prince Edward Island added a 20% bracket above $200,000, Newfoundland and Labrador raised its basic amount to $13,094). Ontario adds a surtax and the Ontario Health Premium (up to $900); Quebec collects its own tax (14% to 25.75%) with a deduction for workers of up to $1,450.":"各州が独自の税率区分と控除を持ち、10州すべてが2026年の値を使っています（ブリティッシュコロンビアは2026年に最低税率を5.60%に引き上げ、プリンスエドワードアイランドは$200,000超に20%の区分を追加、ニューファンドランド・ラブラドールは基礎控除額を$13,094に引き上げ）。オンタリオは付加税とオンタリオ医療保険料（最大$900）を加算。ケベックは独自の税（14%〜25.75%）を徴収し、労働者向けに最大$1,450の控除があります。","CPP, EI and QPIP":"CPP、EI、QPIP","Employees pay 5.95% CPP on earnings between $3,500 and $74,600 (Quebec: 6.30% QPP) and 4% CPP2 between $74,600 and $85,000; EI is 1.63% up to $68,900 (Quebec 1.30%, plus 0.430% QPIP up to $103,000). Employers match CPP and pay 1.4 times the EI premium.":"従業員は$3,500から$74,600の収入にCPP 5.95%（ケベックはQPP 6.30%）、$74,600から$85,000にCPP2 4%を払います。EIは$68,900まで1.63%（ケベックは1.30%に、$103,000までQPIP 0.430%を加算）。雇用主はCPPを同額負担し、EI保険料の1.4倍を払います。","Provincial employment standards":"州の雇用基準","Overtime is paid at 1.5 times the regular rate after 44 hours a week in Ontario, 40 hours in Quebec, Alberta and most other provinces, and also after 8 hours a day in British Columbia and Alberta (double time after 12 hours in BC). Public holidays worked are paid at 1.5 times plus holiday pay in most provinces.":"時間外労働は、オンタリオでは週44時間、ケベック、アルバータその他ほとんどの州では週40時間を超えると通常の1.5倍で支払われ、ブリティッシュコロンビアとアルバータでは1日8時間を超えても同様です（BCでは12時間超は2倍）。ほとんどの州で、祝日に働くと1.5倍に祝日手当が加わります。","44 h / week in Ontario (40 in most provinces)":"オンタリオは週44時間（ほとんどの州は40時間）","Self-employed people pay both halves of CPP (11.9% on profit between $3,500 and $74,600, 12.6% QPP in Quebec) and 8% CPP2 up to $85,000; the employer half and the enhanced part are deductible. EI is optional (special benefits only) and not included. GST/HST registration is required above $30,000 of sales.":"自営業者はCPPの労使両方分（$3,500から$74,600の利益に11.9%、ケベックではQPP 12.6%）と$85,000までのCPP2 8%を払います。雇用主分と拡充分は控除可能。EIは任意（特別給付のみ）で含まれません。売上$30,000超でGST/HSTの登録が必要です。","Canada Pension Plan":"カナダ年金制度","The CPP retirement pension replaces 25% of average earnings up to the YMPE, rising to 33.33% plus a part of earnings up to $85,000 as the 2019 enhancement matures. You can start it from 60 (0.6% less per month before 65) to 70 (0.7% more per month after 65). The maximum at 65 for a pension starting in January 2026 is $1,507.65 a month. The QPP in Quebec works in a similar way. The federal government plans to cut the base CPP contribution rate to 4.75% from 2027.":"CPP退職年金はYMPEまでの平均収入の25%を代替し、2019年の拡充が成熟するにつれ33.33%に、$85,000までの収入の一部を加えた額に上がります。60歳（65歳より前は1か月につき0.6%減）から70歳（65歳以降は1か月につき0.7%増）まで開始できます。2026年1月開始の65歳での最高額は月$1,507.65。ケベックのQPPも同様の仕組みです。連邦政府は2027年から基本のCPP保険料率を4.75%に下げる予定です。","Old Age Security":"老齢保障（OAS）","OAS is paid from 65 to people who lived in Canada at least 10 years after 18 (full pension after 40 years): up to $762.50 a month for ages 65–74 and $838.75 from 75 (October–December 2026). It can be deferred up to 5 years for 0.6% more per month and is reduced by 15% of net income above $93,454. The Guaranteed Income Supplement adds up to $1,138.90 a month for single people with low income.":"OASは18歳以降カナダに少なくとも10年住んだ人に65歳から支払われます（40年で満額）：65〜74歳は月最大$762.50、75歳からは$838.75（2026年10〜12月）。最大5年繰り下げると1か月につき0.6%増え、純所得$93,454超の15%が減額されます。保証所得補足は低所得の単身者に月最大$1,138.90を加えます。","RRSP contributions are deductible up to 18% of last year’s earned income, at most $33,810 in 2026 ({l} for you), less any pension adjustment from an employer plan. Withdrawals are taxed as income. A TFSA ($7,000 of new room a year) gives no deduction but tax-free growth and withdrawals.":"RRSPの拠出は前年の勤労所得の18%、2026年は最大$33,810（あなたの場合 {l}）まで控除でき、雇用主の年金制度による年金調整額を差し引きます。引き出しは所得として課税されます。TFSA（毎年$7,000の新規枠）は控除がありませんが、運用益と引き出しは非課税です。","Registered Retirement Savings Plan (RRSP), often with employer matching in a group plan: contributions are deductible and grow tax-free; withdrawals (or a RRIF from age 71) are taxed as income (about 25% used here). Interest in a taxable account is taxed at your marginal rate (30% used).":"登録退職貯蓄制度（RRSP）、団体プランでは雇用主のマッチングがあることが多い：拠出は控除可能で非課税で増えます。引き出し（または71歳からのRRIF）は所得として課税されます（ここでは約25%を使用）。課税口座の利息は限界税率で課税されます（30%を使用）。","Canada Day":"カナダ・デー","Louis Riel Day":"ルイ・リエルの日","Heritage Day":"ヘリテージ・デー","Islander Day":"アイランダー・デー","Family Day":"ファミリー・デー","National Patriots’ Day":"国民愛国者の日","Victoria Day":"ビクトリア・デー","Thanksgiving":"感謝祭","British Columbia Day":"ブリティッシュコロンビア・デー","Saskatchewan Day":"サスカチュワン・デー","New Brunswick Day":"ニューブランズウィック・デー","National Day for Truth and Reconciliation":"真実と和解のための国民の日","Fête nationale (Saint-Jean-Baptiste)":"ケベック州の祝日（聖ヨハネの日）","Most provinces give at least 2 weeks of paid vacation a year (vacation pay 4%), rising to 3 weeks after 5 years in Ontario, British Columbia, Alberta and Manitoba, after 3 years in Quebec and after 8 years in the Maritimes; Saskatchewan gives 3 weeks from the start. The public holidays of the selected province are shown; federally regulated employers follow the Canada Labour Code.":"ほとんどの州で年に少なくとも2週間の有給休暇（休暇手当4%）があり、オンタリオ、ブリティッシュコロンビア、アルバータ、マニトバでは5年後、ケベックでは3年後、沿海州では8年後に3週間に増えます。サスカチュワンは最初から3週間。表示は選択した州の祝日です。連邦規制の雇用主はカナダ労働法典に従います。","Maternity benefit (QPIP)":"出産給付（QPIP）","70% of average weekly earnings (insurable up to $103,000 a year)":"平均週収入の70%（年$103,000まで被保険）","Paternity benefit (QPIP)":"父親給付（QPIP）","5 weeks":"5週間","70% of average weekly earnings":"平均週収入の70%","Parental benefit (QPIP)":"育児給付（QPIP）","32 weeks to share (7 at 70% and 25 at 55%), plus bonus weeks when both parents take part":"共有で32週（7週は70%、25週は55%）、両親とも取得すればボーナス週あり","EI sickness benefit":"EIの傷病給付","Up to 26 weeks after a one-week waiting period":"1週間の待期の後、最長26週","55% of insurable earnings, at most $729 a week":"被保険収入の55%、週最大$729","EI maternity benefit":"EIの出産給付","15 weeks (from up to 12 weeks before the birth)":"15週（出産の最大12週前から）","EI parental benefit":"EIの育児給付","Standard: 35 weeks (40 if shared); extended: 61 weeks (69 if shared)":"標準：35週（共有なら40週）、延長：61週（共有なら69週）","55% (standard) or 33% (extended), at most $729 / $437 a week":"55%（標準）または33%（延長）、週最大$729 / $437","Canada Child Benefit":"カナダ児童手当","Monthly, tax-free, by family net income and the children’s ages":"毎月、非課税、世帯の純所得と子どもの年齢による","Dismissed without cause":"理由のない解雇","Employment standards set minimum written notice or pay in lieu: in Ontario 1 week after 3 months, 2 weeks after 1 year and 1 week per year up to 8 weeks, plus severance pay of 1 week per year (up to 26 weeks) after 5 years if the employer’s payroll is at least $2.5 million. Quebec: 1 to 8 weeks; British Columbia and Alberta: up to 8 weeks. Courts often award much longer “reasonable notice” under common law, which is not modelled here.":"雇用基準は書面による最低予告か代わりの支払いを定めています：オンタリオでは3か月後に1週間、1年後に2週間、以降1年ごとに1週間で最大8週間。加えて雇用主の給与総額が少なくとも$250万なら、5年後に1年につき1週間の退職金（最大26週）。ケベック：1〜8週間、ブリティッシュコロンビアとアルバータ：最大8週間。裁判所はコモンロー上ずっと長い「合理的な予告」を認めることが多いですが、ここではモデル化していません。","Employment Insurance":"雇用保険","After 420 to 700 insured hours (by region) EI regular benefits pay 55% of average insurable weekly earnings, at most $729 a week in 2026, for 14 to 45 weeks depending on your hours and the regional unemployment rate, after a one-week waiting period. Benefits are taxable.":"420〜700時間の被保険時間（地域による）の後、EIの通常給付は平均被保険週収入の55%、2026年は週最大$729を、労働時間と地域の失業率に応じて14〜45週、1週間の待期の後に支払います。給付は課税されます。","RRSP contributions lower your tax at your marginal rate; a First Home Savings Account (FHSA, $8,000 a year) is deductible too and tax-free when you buy your first home.":"RRSPの拠出は限界税率で税金を減らします。初回住宅貯蓄口座（FHSA、年$8,000）も控除でき、最初の住宅を購入するときは非課税です。","In Ontario the Health Premium (up to $900) is withheld with your income tax from $20,000 of taxable income.":"オンタリオでは課税所得$20,000から、医療保険料（最大$900）が所得税とともに源泉徴収されます。","The Canada Child Benefit (and Quebec’s family allowance) depends on family net income and is not included. Spouses file separately; a spouse with little income can transfer the spousal amount (not modelled).":"カナダ児童手当（とケベックの家族手当）は世帯の純所得によって異なり、含まれません。配偶者は別々に申告し、収入の少ない配偶者は配偶者控除額を移転できます（モデル化していません）。","Ontario: notice up to 8 weeks + severance 1 week a year":"オンタリオ：予告最大8週 + 退職金 年1週","15 weeks EI at 55%, then 35 weeks parental":"EI 15週55%、その後育児35週","5 extra weeks when parents share":"親が共有すると5週追加","35 weeks at 55% (or 61 at 33%)":"35週55%（または61週33%）","EI 55% up to 26 weeks":"EI 55%、最長26週","Annual payroll deductions for one employee with the 2026 federal and provincial rules (full-year values) and only the basic personal amounts. Other credits (spouse, dependants, medical, tuition), the Canada Workers Benefit, employer health taxes and municipal land transfer taxes are not modelled.":"2026年の連邦と州の規則（通年の値）と基礎控除額のみを適用した従業員1人の年間の給与控除です。その他の控除（配偶者、扶養家族、医療、授業料）、カナダ労働者給付、雇用主の医療税、市の土地移転税はモデル化していません。","Official sources: Canada Revenue Agency (T4127 Payroll Deductions Formulas, 122nd and 123rd editions, 2026; RRSP and TFSA limits), Revenu Québec (2026 tax rates, principal changes for 2026), Employment and Social Development Canada (CPP and OAS amounts 2026, EI), provincial employment standards acts, Statistics Canada (Survey of Household Spending 2023), OECD (life expectancy).":"公式情報源：Canada Revenue Agency（T4127 Payroll Deductions Formulas、第122版・第123版、2026年、RRSPとTFSAの上限）、Revenu Québec（2026年の税率、2026年の主な変更）、Employment and Social Development Canada（2026年のCPPとOASの額、EI）、州の雇用基準法、カナダ統計局（家計支出調査2023年）、OECD（平均余命）。","Basic federal tax in the CRA bonus example (taxable income $55,450.76)":"CRAの賞与の例での基本連邦税（課税所得$55,450.76）","Federal basic personal amount at a net income of $220,000":"純所得$220,000での連邦基礎控除額","Quebec tax before credits on $60,000 of taxable income":"課税所得$60,000に対する控除前のケベック州税","British Columbia tax reduction at a net income of $30,000":"純所得$30,000でのブリティッシュコロンビアの税軽減","Ontario surtax on $8,000 of basic Ontario tax":"基本オンタリオ州税$8,000に対するオンタリオ付加税","Ontario Health Premium at $60,000 of taxable income":"課税所得$60,000でのオンタリオ医療保険料","Maximum employee CPP contribution":"従業員のCPP保険料の上限","Maximum employee CPP2 contribution":"従業員のCPP2保険料の上限","Maximum employee EI premium (outside Quebec)":"従業員のEI保険料の上限（ケベック以外）","Maximum employee QPP contribution":"従業員のQPP保険料の上限","Maximum employee QPIP premium":"従業員のQPIP保険料の上限","Maximum CPP retirement pension at 65, starting January 2026 (per month)":"2026年1月開始、65歳でのCPP退職年金の上限（月額）","Maximum Old Age Security pension, ages 65–74 (per month)":"老齢保障年金の上限、65〜74歳（月額）","RRSP dollar limit 2026":"2026年のRRSPの上限額","Ontario minimum notice after 12 years (weeks)":"オンタリオの12年後の最低予告（週）","Maximum EI regular benefit per week (55% of $68,900 ÷ 52)":"EIの通常給付の週額上限（$68,900の55% ÷ 52）","{n}: 10% pension savings + {c} commission":"{n}：年金貯蓄10% + 手数料 {c}","Health 7% (Fonasa or Isapre minimum)":"健康 7%（FonasaまたはIsapreの最低額）","Unemployment insurance 0.6%":"失業保険 0.6%","Income tax (impuesto único, withheld monthly)":"所得税（impuesto único、毎月源泉徴収）","Contribution ceiling 90 UF a month (unemployment insurance 135.2 UF)":"保険料の上限 月90 UF（失業保険は135.2 UF）","Employer: pension 3.5% (from August 2026), unemployment insurance and work-accident insurance":"雇用主：年金3.5%（2026年8月から）、失業保険、労災保険","AFP account: about {b} saved (10% of your pay plus the new employer contribution, rising to 6% by 2033, at a 3% real return), paid as {a} a month over your expected {n} years. The legal retirement age is 65 for men and 60 for women. Years-of-contribution benefit (BAC): 0.1 UF per year, up to 2.5 UF, with at least 20 years (men) or 10 years (women): {c}. From 65 the Universal Guaranteed Pension (PGU) adds up to $231,732 a month ($250,275 from 75 now and for everyone from September 2027), reduced for base pensions above $789,139: {p}. Health 7% is deducted from pensions.":"AFP口座：約 {b} を貯蓄（給与の10%に、2033年までに6%に上がる新しい雇用主拠出を加え、実質利回り3%）、予想される {n} 年間にわたり月 {a} として支給。法定の退職年齢は男性65歳、女性60歳。拠出年数給付（BAC）：少なくとも20年（男性）または10年（女性）で、1年につき0.1 UF、最大2.5 UF：{c}。65歳からは普遍的保証年金（PGU）が月最大$231,732（現在75歳から、2027年9月から全員に$250,275）を加え、基礎年金が$789,139を超えると減額：{p}。年金からは7%の健康保険料が差し引かれます。","Contributions on 80% of fees: AFP 10% + commission, disability insurance (about 1.5%), health 7%, work-accident 0.93%":"報酬の80%に対する保険料：AFP 10% + 手数料、障害保険（約1.5%）、健康7%、労災0.93%","Severance (30 days of pay per year of service: {n}, at most 11; pay capped at 90 UF)":"退職金（勤続1年につき給与30日分：{n}、最大11、給与の上限は90 UF）","Pay in lieu of 30 days’ notice (capped at 90 UF)":"30日分の予告に代わる支払い（上限90 UF）","After resigning only your own unemployment-insurance account can be withdrawn":"自己都合退職の後は、自分の失業保険口座のみ引き出せます","About {a} in month 1 (70% of your average pay), then 55%, 45%, 40% and 35%: paid from your unemployment-insurance account and, if it runs short, from the Solidarity Fund (which has monthly caps)":"1か月目は約 {a}（平均給与の70%）、その後55%、45%、40%、35%：失業保険口座から支払われ、不足すれば連帯基金（月額上限あり）から","Severance (months of pay)":"退職金（給与の月数）","30 days is customary (not required by law)":"30日が慣例（法律上の義務なし）","30 days, or one month’s pay instead":"30日、または代わりに給与1か月分","Labour Code art. 161–163":"労働法典第161〜163条","Chile":"チリ","Pension fund (AFP)":"年金基金（AFP）","Contract":"契約","Indefinite (permanent)":"期間の定めなし（正社員）","Fixed-term":"有期","Paid one month instead of 30 days’ notice":"30日前の予告の代わりに1か月分を支払い","Employers withhold the impuesto único each month on pay after pension, health and unemployment contributions: exempt up to 13.5 UTM ($974,038 in October 2026), then 4%, 8%, 13.5%, 23%, 30.4% and 35%, and 40% above 310 UTM. The UTM is updated monthly with inflation.":"雇用主は年金、健康、失業の保険料を引いた給与に対して毎月impuesto únicoを源泉徴収します：13.5 UTM（2026年10月で$974,038）まで非課税、その後4%、8%、13.5%、23%、30.4%、35%、310 UTM超で40%。UTMはインフレで毎月更新されます。","Employees pay 10% into their AFP account plus the AFP’s commission (0.46% to 1.45%), 7% for health (Fonasa, or an Isapre plan costing at least that) and 0.6% unemployment insurance on an indefinite contract, on pay up to 90 UF a month. Under the 2025 pension reform employers pay a new contribution: 1% from August 2025, 3.5% from August 2026 (covering disability and survivors’ insurance), rising to 8.5% (6% for workers’ accounts). Minimum wage $553,553 a month from May 2026.":"従業員は給与月90 UFまで、AFP口座に10%とAFPの手数料（0.46%〜1.45%）、健康に7%（Fonasa、またはそれ以上のIsapreプラン）、期間の定めのない契約なら失業保険0.6%を払います。2025年の年金改革により雇用主は新しい拠出を払います：2025年8月から1%、2026年8月から3.5%（障害・遺族保険を含む）、最終的に8.5%（労働者の口座へは6%）。最低賃金は2026年5月から月$553,553。","Overtime is paid with at least a 50% supplement and is limited to 2 hours a day. The legal week is 42 hours from April 2026 and falls to 40 hours in April 2028 (Ley 21.561).":"時間外労働は少なくとも50%の割増で支払われ、1日2時間まで。法定労働時間は2026年4月から週42時間、2028年4月に40時間に短縮されます（Ley 21.561）。","Fee earners (boletas de honorarios)":"報酬で働く人（boletas de honorarios）","Clients withhold 15.25% of gross fees in 2026 (rising to 17% in 2028). In the annual tax return the withholding first pays your social security contributions on 80% of your fees (AFP, disability insurance, health, work accidents) and then your income tax, calculated with presumed expenses of 30% (up to 15 UTA) on the annual scale.":"2026年は顧客が報酬総額の15.25%を源泉徴収します（2028年に17%に上昇）。年間の確定申告で、源泉徴収分はまず報酬の80%に対する社会保険料（AFP、障害保険、健康、労災）に充てられ、その後、30%（15 UTAまで）のみなし経費で年間税率表により計算した所得税に充てられます。","AFP pension and the 2025 reform":"AFP年金と2025年の改革","Your pension comes from your AFP account, paid as a life annuity or a programmed withdrawal from 65 (men) or 60 (women). The 2025 reform (Ley 21.735) adds an employer contribution that will put 6% more of your pay into your account, a Years-of-Contribution Benefit (0.1 UF per year, up to 2.5 UF) and compensation for women’s longer life expectancy.":"年金はAFP口座から、65歳（男性）または60歳（女性）から終身年金か計画的引き出しとして支払われます。2025年の改革（Ley 21.735）は、給与のさらに6%を口座に入れる雇用主拠出、拠出年数給付（1年につき0.1 UF、最大2.5 UF）、女性の長い平均余命への補償を追加しました。","Universal Guaranteed Pension (PGU)":"普遍的保証年金（PGU）","From 65, people in the 90% of the population with lower incomes receive the PGU: $231,732 a month from February 2026 for base pensions up to $789,139, falling to zero at $1,252,602. The reform raises it to $250,275, from September 2026 for those aged 75 and over and from September 2027 for everyone from 65.":"65歳から、所得の低い人口の90%がPGUを受け取ります：2026年2月から、基礎年金$789,139までは月$231,732、$1,252,602でゼロに減少。改革でこれが$250,275に引き上げられ、2026年9月から75歳以上、2027年9月から65歳以上の全員が対象になります。","Voluntary pension savings (APV) under regime B are deducted from your taxable pay up to 50 UF a month ({l} a year); under regime A the state adds a 15% bonus instead (up to 6 UTM a year).":"任意の年金貯蓄（APV）は、レジームBでは月50 UF（年 {l}）まで課税給与から控除されます。レジームAでは代わりに国が15%のボーナス（年最大6 UTM）を加えます。","Voluntary pension savings (APV) and collective APV plans with employer contributions: regime B lowers your income tax now and withdrawals at retirement are taxed as pension income (about 8% used here); early withdrawals are taxed with a surcharge.":"任意の年金貯蓄（APV）と雇用主拠出付きの団体APVプラン：レジームBは今の所得税を減らし、退職時の引き出しは年金所得として課税されます（ここでは約8%を使用）。早期の引き出しには追加の課税があります。","Navy Day":"海軍記念日","National Indigenous Peoples’ Day":"先住民族の日","Saint Peter and Saint Paul":"聖ペトロと聖パウロ","Our Lady of Mount Carmel":"カルメル山の聖母","Army Day":"陸軍記念日","Meeting of Two Worlds":"二つの世界の出会いの日","Evangelical and Protestant Churches Day":"福音派・プロテスタント教会の日","15 working days of paid holiday a year after one year of service, plus one more day for every 3 years beyond 10 years of work (feriado progresivo). Holidays on a weekend are not moved; election days are also public holidays.":"勤続1年後に年15労働日の有給休暇、加えて勤続10年を超える3年ごとに1日（feriado progresivo）。週末の祝日は振り替えられず、選挙日も祝日です。","Prenatal and postnatal leave":"産前・産後休暇","6 weeks before and 12 weeks after the birth":"産前6週と産後12週","100% of taxable pay, up to the 90 UF ceiling":"課税給与の100%、90 UFの上限まで","Parental postnatal leave":"親の産後休暇","12 weeks full-time or 18 weeks part-time; the last 6 weeks can go to the father":"フルタイムで12週またはパートタイムで18週。最後の6週は父親が取得可能","100% of taxable pay, up to 90 UF":"課税給与の100%、90 UFまで","Sick pay (subsidio de incapacidad laboral)":"傷病手当（subsidio de incapacidad laboral）","From day 4 (from day 1 when the leave exceeds 10 days)":"4日目から（休業が10日を超える場合は初日から）","Average taxable pay of the last 3 months":"直近3か月の平均課税給与","Dismissed for the company’s needs":"会社の必要による解雇","When the employer dismisses you for the company’s needs (art. 161) after at least one year, you get 30 days of your last monthly pay for each year of service (a fraction above 6 months counts as a year), up to 330 days (11 years), with pay capped at 90 UF; plus one month’s pay if the 30 days’ notice is not given. Severance within these limits is tax-free.":"雇用主が会社の必要（第161条）により勤続1年以上の人を解雇する場合、勤続1年ごとに直近の月給の30日分（6か月を超える端数は1年として数える）、最大330日（11年）、給与の上限は90 UF。30日前の予告がなければさらに給与1か月分。この範囲内の退職金は非課税です。","The unemployment insurance (AFC) pays first from your individual account and then, if it runs short, from the Solidarity Fund: 70% of your average pay in month 1, 55%, 45%, 40% and 35% in months 2–5 (more months in times of high unemployment), with upper and lower limits on the fund’s payments. The employer’s 1.6% share of its 2.4% contribution can be deducted from your severance.":"失業保険（AFC）はまず個人口座から支払い、不足すれば連帯基金から支払います：1か月目は平均給与の70%、2〜5か月目は55%、45%、40%、35%（失業率が高い時期はさらに月数が増える）、基金の支払いには上限と下限があります。雇用主の2.4%の拠出のうち1.6%分は退職金から差し引かれる場合があります。","Your AFP charges {c} of your pay; AFP Uno charges 0.46%. You can switch AFP at any time online.":"あなたのAFPは給与の {c} を手数料として取ります。AFP Unoは0.46%です。AFPはいつでもオンラインで変更できます。","Many employers pay the legal gratification (25% of pay, up to 4.75 minimum wages a year); if yours does, include it in your gross pay.":"多くの雇用主は法定の賞与（gratificación、給与の25%、年最大で最低賃金の4.75倍）を支払います。あなたの雇用主が支払っている場合は総支給に含めてください。","Family allowances (asignación familiar and the Subsidio Único Familiar) are income-tested and not included. Spouses are taxed separately.":"家族手当（asignación familiarとSubsidio Único Familiar）は所得審査があり、含まれません。配偶者は別々に課税されます。","30 days per year, up to 11 years (90 UF cap)":"1年につき30日、最大11年（上限90 UF）","18 weeks at 100%, then 12 weeks parental":"18週100%、その後親の休暇12週","12 weeks at 100% (up to 6 for the father)":"12週100%（父親は最大6週）","100% from day 4":"4日目から100%","Monthly withholding for one employee with the October 2026 UTM, the 30 September 2026 UF and the employer rates from August 2026. The legal gratification, Isapre plans above 7%, family allowances and the annual tax reconciliation are not modelled.":"2026年10月のUTM、2026年9月30日のUF、2026年8月からの雇用主の料率を使った従業員1人の月々の源泉徴収です。法定の賞与、7%を超えるIsapreプラン、家族手当、年間の税の精算はモデル化していません。","Official sources: Servicio de Impuestos Internos (impuesto único table October 2026, UF and UTM, dólar observado), Superintendencia de Pensiones (AFP commissions, employer contribution under Ley 21.735, contribution ceilings 2026), Dirección del Trabajo (Ley 21.830 minimum wage, Labour Code), ChileAtiende (PGU 2026), INE (IX Encuesta de Presupuestos Familiares), Banco Central de Chile, OECD (life expectancy).":"公式情報源：Servicio de Impuestos Internos（2026年10月のimpuesto únicoの表、UFとUTM、dólar observado）、Superintendencia de Pensiones（AFPの手数料、Ley 21.735による雇用主拠出、2026年の保険料上限）、Dirección del Trabajo（Ley 21.830の最低賃金、労働法典）、ChileAtiende（2026年のPGU）、INE（IX Encuesta de Presupuestos Familiares）、Banco Central de Chile、OECD（平均余命）。","Monthly income tax on $3,000,000 of taxable pay (October 2026)":"課税給与$3,000,000に対する月額所得税（2026年10月）","Monthly income tax on $10,000,000 of taxable pay (October 2026)":"課税給与$10,000,000に対する月額所得税（2026年10月）","Tax-free monthly threshold (13.5 UTM)":"非課税の月額基準（13.5 UTM）","Monthly contribution ceiling (90 UF), September 2026":"月額保険料の上限（90 UF）、2026年9月","AFP Uno deduction on $1,000,000 (10% + 0.46%)":"$1,000,000に対するAFP Unoの控除（10% + 0.46%）","Universal Guaranteed Pension (PGU) for a base pension of $500,000":"基礎年金$500,000に対する普遍的保証年金（PGU）","PGU from age 75 (from September 2026)":"75歳からのPGU（2026年9月から）","Severance after 15 years at $1,000,000 a month (11-year cap)":"月$1,000,000で15年後の退職金（11年の上限）","Osijek, Zadar, Dubrovnik and others at 20% / 30%":"オシエク、ザダル、ドゥブロヴニクなど、20% / 30%","Pension insurance, pillar I 15%":"年金保険、第1の柱 15%","Pension insurance, pillar I 20%":"年金保険、第1の柱 20%","Pension insurance, pillar II 5%":"年金保険、第2の柱 5%","Income tax ({a} / {b}, {c})":"所得税（{a} / {b}、{c}）","Personal allowance (per year)":"個人控除（年額）","Low-wage relief on the pillar-I pension base (per year)":"第1の柱の年金算定基礎の低賃金軽減（年額）","Employer health insurance 16.5%":"雇用主の健康保険 16.5%","Pillar I pension: {p} personal points (your average pay ratio {v} × {y} years) × €15.64 (current pension value from 1 July 2026){s}. Pillar II account about {b}, paid as {a} a month. Old-age pension at 65 (women {l} in {r}) with 15 years; early pension from {e} with {k} years, cut by 0.2% a month (at most 12%); with 41 years from 60 without a cut. Each month after the age adds 0.45% (up to 5 years).":"第1の柱の年金：{p} の個人ポイント（平均給与比率 {v} × {y} 年）× €15.64（2026年7月1日からの現在の年金価値）{s}。第2の柱の口座は約 {b} で、月 {a} として支給。老齢年金は65歳（女性は{r}年に{l}歳）で15年。繰上げ年金は {e} 歳から {k} 年で、1か月につき0.2%減額（最大12%）。41年加入なら60歳から減額なし。年齢以降は1か月ごとに0.45%加算（最大5年）。",", basic pension 75% for pillar II members":"、第2の柱の加入者は基礎年金75%"," + 27% supplement":" + 27%の加算","Pension 20% + health 16.5% on profit (at least €1,295.45 a month)":"年金20% + 健康16.5%を利益に（最低月€1,295.45）","Severance (at least 1/3 of monthly pay per year of service, at most 6 months)":"退職金（勤続1年につき少なくとも月給の1/3、最大6か月）","{a} a month for the first 90 days (60% of your gross pay, at most €1,014), then 35% and 30%, for {n} days in total":"最初の90日は月 {a}（総支給の60%、最大€1,014）、その後35%と30%、合計 {n} 日","{m} months":"{m} か月","Labour Act art. 122 and 126":"労働法第122条・第126条","Croatia":"クロアチア","Place of residence (local tax rates)":"居住地（地方税率）","Member of the mandatory pension fund (pillar II)":"強制年金基金（第2の柱）の加入者","Income after pension contributions and the personal allowance (€600 a month, more for children and dependants) is taxed at the lower local rate up to €60,000 a year and the higher rate above. Each town sets its rates within legal ranges (Zagreb up to 23% / 33%; 20% / 30% where no decision was adopted). People under 25 pay no income tax and those aged 25–30 pay half.":"年金保険料と個人控除（月€600、子どもと扶養家族の分は追加）を引いた所得は、年€60,000まで低い方の地方税率、それを超える部分は高い方の税率で課税されます。各町が法定の範囲内で税率を設定します（ザグレブは最大23% / 33%、決定がない場合は20% / 30%）。25歳未満は所得税を払わず、25〜30歳は半分を払います。","Employees pay 20% for pensions (15% pillar I and 5% pillar II for fund members) on pay up to €11,958 a month; for pay up to €1,300 the pillar-I base is reduced (by €300 up to €700). Employers pay 16.5% health insurance on top. Minimum wage €1,050 a month in 2026.":"従業員は月€11,958までの給与について年金に20%（第1の柱15%と、基金加入者は第2の柱5%）を払います。給与€1,300までは第1の柱の算定基礎が減額されます（€700まで€300）。雇用主はさらに16.5%の健康保険料を払います。2026年の最低賃金は月€1,050。","Labour Act and collective agreements":"労働法と労働協約","Overtime is limited to 10 hours a week and 180 hours a year (250 with a collective agreement) and must be paid with a supplement set by the employment contract or collective agreement, commonly 50%. Night and Sunday work are also paid with supplements.":"時間外労働は週10時間、年180時間（労働協約があれば250時間）まで、雇用契約または労働協約で定める割増（一般に50%）付きで支払わなければなりません。深夜と日曜の労働にも割増が付きます。","10 h / week, 180 h / year":"週10時間、年180時間","Sole trader (obrt) taxed on income":"所得課税の個人事業主（obrt）","A sole trader keeping books pays pension (20%) and health (16.5%) contributions on profit, at least on €1,295.45 a month in 2026 (€472.84 a month), and income tax at the local rates after the €7,200 allowance. Flat-rate taxation (paušalni obrt, revenue up to €60,000) is not modelled.":"帳簿を付ける個人事業主は、利益に対して年金（20%）と健康（16.5%）の保険料を払い、2026年は最低で月€1,295.45（月€472.84）に対して払います。所得税は€7,200の控除後に地方税率で課税されます。定額課税（paušalni obrt、収入€60,000まで）はモデル化していません。","The pillar-I pension is personal points (your pay compared with the national average each year, times years of service) times the current pension value, €15.64 from 1 July 2026, which is adjusted every January and July. Pensions from pillar I only receive a 27% supplement; members of a mandatory pension fund get a basic pension from 75% of their points plus a pension from their pillar-II account.":"第1の柱の年金は、個人ポイント（毎年の全国平均に対するあなたの給与 × 勤続年数）× 現在の年金価値で、2026年7月1日から€15.64、毎年1月と7月に改定されます。第1の柱のみの年金には27%の加算があります。強制年金基金の加入者はポイントの75%に基づく基礎年金と、第2の柱の口座からの年金を受け取ります。","Conditions":"条件","In 2026: men at 65 and women at 64 with 15 years (women’s conditions reach men’s by 2030); early pension from 60 (women 59) with 35 years (women 34), reduced by 0.2% per month; with 41 years of service from 60 without a reduction.":"2026年：男性は65歳、女性は64歳で15年（女性の条件は2030年までに男性と同じに）。35年（女性は34年）加入で60歳（女性は59歳）から繰上げ年金、1か月につき0.2%減額。勤続41年なら60歳から減額なし。","Voluntary pension insurance (pillar III) gives no tax deduction, but the state adds 15% of your contributions up to €663.61 a year (at most €99.54); employer contributions are tax-free up to €67 a month.":"任意の年金保険（第3の柱）に税控除はありませんが、国が年€663.61までの拠出の15%（最大€99.54）を上乗せします。雇用主の拠出は月€67まで非課税です。","Voluntary pension funds (pillar III): the state incentive adds 15% of up to €663.61 a year, employers can pay up to €67 a month tax-free, and the money can be paid out from 55. Interest and capital income are taxed at 12% (not modelled for pillar III).":"任意年金基金（第3の柱）：国の奨励金が年€663.61までの15%を加え、雇用主は月€67まで非課税で拠出でき、55歳から受け取れます。利息と資本所得は12%で課税されます（第3の柱についてはモデル化していません）。","Anti-Fascist Struggle Day":"反ファシズム闘争記念日","Victory and Homeland Thanksgiving Day":"勝利と祖国感謝の日","Remembrance Day (Vukovar and Škabrnja)":"追悼の日（ヴコヴァルとシュカブルニャ）","Saint Stephen’s Day":"聖ステファノの日","At least 4 weeks of paid leave a year (20 days for a 5-day week); collective agreements usually add days for seniority, children and disability. Holidays on a weekend are not moved.":"年に少なくとも4週間の有給休暇（週5日制で20日）。労働協約では通常、勤続年数、子ども、障害に応じて日数が追加されます。週末の祝日は振り替えられません。","Compulsory from 28 days before the birth until the child is 6 months old":"出産28日前から子どもが生後6か月になるまで義務","10 working days (15 for twins), within 6 months of the birth":"10労働日（双子は15日）、出産後6か月以内","100% of average pay, with a ceiling":"平均給与の100%、上限あり","4 months per parent (2 not transferable) for the first and second child, 15 months each from the third":"第1子と第2子は親1人につき4か月（2か月は譲渡不可）、第3子からはそれぞれ15か月","100% of average pay up to a monthly ceiling":"月額上限まで平均給与の100%","Monthly, by household income":"毎月、世帯所得による","First 42 days paid by the employer, then by the health insurance fund (HZZO)":"最初の42日は雇用主が支給、その後健康保険基金（HZZO）","At least 70% of average pay":"平均給与の少なくとも70%","The notice period is 2 weeks under 1 year of service, 1 month after 1 year, 6 weeks after 2, 2 months after 5, 2.5 months after 10 and 3 months after 20 years, plus 2 weeks (age 50+) or 1 month (age 55+) with 20 years at the same employer. After 2 years, dismissal not caused by the worker gives severance of at least one third of average monthly pay per year of service, at most 6 months’ pay; up to €1,500 per year of service is tax-free.":"予告期間は勤続1年未満で2週間、1年後1か月、2年後6週間、5年後2か月、10年後2.5か月、20年後3か月、同じ雇用主で20年の場合は50歳以上で2週間、55歳以上で1か月を追加。2年後、本人に起因しない解雇では、勤続1年につき平均月給の少なくとも3分の1、最大給与6か月分の退職金。勤続1年につき€1,500までは非課税です。","With 9 months of work in the last 24 (6 months under age 30) the Croatian Employment Service pays 60% of your average gross pay for the first 90 days, 35% up to day 180 and 30% after, capped at 70%, 40% and 35% of the 2025 average net wage and at least 50% of the net minimum wage; it lasts from 90 days (up to 2 years of work) to 450 days (over 25 years).":"過去24か月に9か月（30歳未満は6か月）就労していれば、クロアチア雇用サービスが最初の90日は平均総支給の60%、180日目まで35%、その後30%を支払います。上限は2025年平均手取り賃金の70%、40%、35%、下限は手取り最低賃金の50%。期間は90日（就労2年まで）から450日（25年超）。","Under 25 you pay no income tax, and from 25 to 30 half of it; this is already applied.":"25歳未満は所得税を払わず、25歳から30歳は半分です。これはすでに適用されています。","Pillar III voluntary pension savings earn a 15% state incentive on up to €663.61 a year.":"第3の柱の任意年金貯蓄には、年€663.61までの15%の国の奨励金があります。","The child allowance depends on household income and is not included. Each child raises the personal allowance of the parent who claims it (0.5, 0.7, 1.0 … × €600), which is applied.":"児童手当は世帯所得によって異なり、含まれません。子ども1人ごとに申請する親の個人控除が増え（0.5、0.7、1.0 … × €600）、これは適用されています。","1/3 of pay per year after 2 years, at most 6 months":"2年後、1年につき給与の1/3、最大6か月","To 6 months at 100%, then parental leave":"6か月まで100%、その後育児休業","4 months per parent at 100% (ceiling)":"親1人につき4か月100%（上限あり）","70%+ (employer first 42 days)":"70%以上（最初の42日は雇用主）","Annual tax and contributions for one employee with the 2026 rules, the local rates of the selected place and the personal allowance for children. Dependants other than children, disability allowances, tax-free benefits (such as the Christmas bonus up to €700 a year) and the annual return are not modelled.":"2026年の規則、選択した地域の地方税率、子どもの個人控除を適用した従業員1人の年間の税金と保険料です。子ども以外の扶養家族、障害者控除、非課税の給付（年€700までのクリスマス賞与など）、年間申告はモデル化していません。","Official sources: Income Tax Act (art. 14, 19, 19a), Contributions Act and the Order on contribution bases for 2026 (NN 150/25), Labour Market Act (unemployment benefit), Labour Act (notice and severance), Croatian Pension Insurance Institute and the decision on the current pension value from 1 July 2026 (NN 95/26), Croatian National Bank (consumer lending criteria), Eurostat.":"公式情報源：所得税法（第14条、第19条、第19a条）、保険料法と2026年の保険料算定基礎に関する命令（NN 150/25）、労働市場法（失業給付）、労働法（予告と退職金）、クロアチア年金保険機構と2026年7月1日からの現在の年金価値の決定（NN 95/26）、クロアチア国立銀行（消費者融資の基準）、Eurostat。","Monthly personal allowance with two children":"子ども2人での月の個人控除","Income tax on a yearly base of €70,000 in Zagreb":"ザグレブでの年間課税ベース€70,000に対する所得税","Monthly pension contributions at €15,000 gross (maximum base)":"総支給€15,000（算定基礎の上限）での月額年金保険料","Pillar-I base relief at €1,120 gross":"総支給€1,120での第1の柱の算定基礎の軽減","Maximum unemployment benefit, first 90 days (per month)":"失業給付の上限、最初の90日（月額）","Minimum unemployment benefit (50% of the net minimum wage)":"失業給付の最低額（手取り最低賃金の50%）","Unemployment benefit duration with 12 years of work (days)":"就労12年での失業給付の期間（日）","Minimum monthly contributions of a sole trader taxed on income":"所得課税の個人事業主の月額保険料の最低額","Other provinces (estimate)":"その他の州（推計）","Ontario land transfer tax less the first-time buyer refund (up to $4,000; Toronto adds a municipal tax)":"初回購入者の還付（最大$4,000）を引いたオンタリオの土地移転税（トロントは市の税を追加）","Ontario land transfer tax (Toronto adds a municipal tax)":"オンタリオの土地移転税（トロントは市の税を追加）","BC property transfer tax with the first-time home buyers’ exemption (tax on the first $500,000, homes up to $835,000)":"初回住宅購入者の免除を適用したBCの不動産移転税（最初の$500,000に対する税、$835,000までの住宅）","BC property transfer tax":"BCの不動産移転税","Alberta has no land transfer tax: land titles fees for the transfer and the mortgage (estimate)":"アルバータには土地移転税がありません：移転と抵当権の土地登記手数料（推計）","Quebec welcome tax on property transfers (0.5% / 1% / 1.5%, outside Montreal; estimate of the indexed bands)":"ケベックの不動産移転時の「ウェルカム税」（0.5% / 1% / 1.5%、モントリオール以外、指数化された区分の推計）","Provincial land transfer tax or registration fees (estimate, about 1%)":"州の土地移転税または登記手数料（推計、約1%）","Mortgage default insurance premium (CMHC rates; usually added to the loan)":"住宅ローン保証保険料（CMHCの料率、通常はローンに加算）","Lawyer or notary, title insurance and appraisal (estimate)":"弁護士または公証人、権原保険、鑑定（推計）","Stamp tax on the loan 0.8%":"ローンに対する印紙税 0.8%","Notary and property registry (Conservador de Bienes Raíces), estimate about 0.6%":"公証人と不動産登記所（Conservador de Bienes Raíces）、推計約0.6%","Bank appraisal and legal study of the title (estimate, about 12 UF)":"銀行の鑑定と権原の法的調査（推計、約12 UF）","Real estate transfer tax 3% (paid by the buyer)":"不動産移転税3%（購入者負担）","Notary, land registry, valuation and loan fees (estimate, about 0.6%)":"公証人、土地登記、鑑定、ローンの手数料（推計、約0.6%）","Mortgage interest on a home loan is deductible up to 8 UTA a year (art. 55 bis LIR), in full for taxable income up to 90 UTA and tapering to nothing at 150 UTA; worth your top tax rate":"住宅ローンの利息は年8 UTAまで控除可能（LIR第55条bis）、課税所得90 UTAまでは全額、150 UTAでゼロまで逓減。最高税率に相当","No deduction for the home you live in; a First Home Savings Account (FHSA) and the RRSP Home Buyers’ Plan help with the down payment (not modelled).":"居住する住宅に控除はありません。初回住宅貯蓄口座（FHSA）とRRSPのHome Buyers’ Planが頭金を支援します（モデル化していません）。","Insured mortgages need at least 5% down on the first $500,000 and 10% on the part up to $1.5 million (default insurance required below 20% down); uninsured loans are limited to 80% of the value. OSFI’s stress test requires qualifying at the higher of your rate + 2 points and 5.25%, and housing costs are usually limited to about 39% of gross income (44% for all debts).":"保険付きの住宅ローンは、最初の$500,000に少なくとも5%、$150万までの部分に10%の頭金が必要です（頭金20%未満では保証保険が必要）。保険なしのローンは価値の80%まで。OSFIのストレステストでは、あなたの金利 + 2ポイントと5.25%の高い方で審査を受ける必要があり、住居費は通常総収入の約39%（全債務で44%）までに制限されます。","No binding borrower limits. Banks usually finance up to 80% of the value (90% with the state FOGAES guarantee for a first home), and the monthly payment usually may not exceed about 25% of household income.":"拘束力のある借り手の制限はありません。銀行は通常、価値の80%まで（最初の住宅は国のFOGAES保証で90%）融資し、月々の返済額は通常世帯収入の約25%を超えられません。","Croatian National Bank, from 1 July 2025: housing loans at most 90% of the property value, total debt payments at most 45% of income, at most 30 years; banks may exceed the limits for a limited share of loans.":"クロアチア国立銀行、2025年7月1日から：住宅ローンは不動産価値の最大90%、債務返済の合計は収入の最大45%、期間は最長30年。銀行は一定割合のローンについて上限を超えることができます。","The CPP estimate treats your earnings as a share of the YMPE in today’s money and assumes full Old Age Security residence unless you change it; your official estimate is in My Service Canada Account.":"CPPの推計は、収入を現在の貨幣価値でのYMPEに対する割合として扱い、変更しない限り老齢保障の居住期間を満額と仮定します。公式の見込み額はMy Service Canada Accountにあります。","The employer contribution under the 2025 reform is phased in on a straight line from 0.1% (2026) to 6% (2033); the official calendar has yearly steps. Your AFP balance and the annuity depend on returns and the official mortality tables.":"2025年の改革による雇用主拠出は、0.1%（2026年）から6%（2033年）まで直線的に導入するものとしています。公式の予定表は年ごとの段階です。AFPの残高と年金は運用益と公式の死亡率表によって決まります。","The pension is an estimate: personal points use the 2025 average wage for every year, and the split between pillar I (75% for fund members) and the pillar II annuity is simplified.":"年金は推計です：個人ポイントはすべての年に2025年の平均賃金を使い、第1の柱（基金加入者は75%）と第2の柱の年金の配分は簡略化しています。","EI weeks are estimated from your years of work (as hours) and the regional unemployment rate; court-awarded common-law notice is often much longer than the minimum shown.":"EIの週数は就労年数（時間として）と地域の失業率から推計しています。裁判所が認めるコモンロー上の予告は、表示の最低よりずっと長いことがよくあります。","Unemployment insurance is shown as 70% to 35% of your pay for five months; the Solidarity Fund’s monthly caps and your actual account balance are not modelled.":"失業保険は5か月間、給与の70%から35%として表示しています。連帯基金の月額上限と実際の口座残高はモデル化していません。","Your RRSP":"あなたのRRSP","Your APV":"あなたのAPV","Send this message to {e}. If your email app does not open, copy the message and paste it into a new email.":"このメッセージを {e} に送ってください。メールアプリが開かない場合は、メッセージをコピーして新しいメールに貼り付けてください。","Open in my email app":"メールアプリで開く","Copy message":"メッセージをコピー","Copied":"コピーしました","You allowed PayAbacus to remember your inputs on this device.":"このデバイスで入力内容を記憶することをPayAbacusに許可しました。","You chose not to have your inputs remembered; nothing is stored except this choice.":"入力内容を記憶しないことを選びました。この選択以外は何も保存されません。","You have not chosen yet, so nothing is remembered.":"まだ選択していないため、何も記憶されていません。","Stop remembering":"記憶をやめる","Remember on this device":"このデバイスで記憶する","This notice explains what happens to data when you use PayAbacus. The person responsible (the controller) is named at the end.||No accounts and nothing sent: all calculations run in your browser. What you type is not sent to us or to anyone else, and we cannot see it.||No cookies and no tracking: the site uses no cookies, analytics, advertising, social-media plugins or profiling. 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Do not misuse it, for example by automated mass access or scraping, by trying to break or overload it, or by presenting its results as official figures or as advice from us.||Intellectual property: the texts, design, code and calculators of PayAbacus are protected by copyright. You may share screenshots or individual results for non-commercial purposes if you name PayAbacus as the source. Official data belongs to its sources (for example Eurostat, the OECD and national authorities) and is used under their reuse terms; the fonts and the chart library are used under the SIL Open Font License and the MIT licence.||Links to other websites are provided for information; their owners are responsible for their content. How we handle data is explained in the Privacy notice.||Changes: we may update these terms; the version shown here applies from its date, and continuing to use the site after a change means you accept the new version.||Law and disputes: these terms are governed by Greek law. If you are a consumer, this does not take away the protection of the mandatory law of your country of residence. Disputes are subject to the courts of Athens, Greece, unless mandatory law gives consumers another court.||Contact: {email}. Last updated: 12 October 2026.":"この規約は、{name}（{address}）が運営するウェブサイトとその計算ツールであるPayAbacusの利用に適用されます。サイトを利用することで、この規約に同意したことになります。同意しない場合は利用しないでください。||サービス：PayAbacusは、公表された規則から選択した国の給与、税金、保険料、年金、給付、住宅ローンなどの数値を推計する無料の情報ツールです。登録は不要です。予告なくいつでも機能や国を変更、拡張、停止、削除することがあります。||推計でありアドバイスではありません：すべての結果は簡略化した前提に基づく情報提供のための推計です。税務、法律、金融、投資、雇用、年金のアドバイスではなく、サイトの利用によって私たちとの間に専門的または契約上の関係が生じることはありません。結果を給与計算、確定申告、公的な申請に使わないでください。決定の前に、所管官庁、雇用主、または資格のある専門家に確認してください。||正確性：公式の公開情報源を使い、公式の例と照合して計算ツールを検証していますが、情報が完全、正確、最新であることは保証しません。規則は年の途中でも変わることがあり、各国について規則の年と最終確認日を表示しています。||責任：このサイトは無料で、「現状のまま」かつ「利用可能な範囲で」提供されます。法律で認められる範囲で、所有者はサイトの利用または利用できないことから生じる損失や損害（結果に基づいて行った決定を含む）について責任を負いません。これは、故意または重大な過失、生命・身体・健康への損害、消費者保護法を含む強行法規により責任を排除できない場合の責任を制限するものではありません。||許容される利用：サイトはご自身の情報のために利用できます。自動化された大量アクセスやスクレイピング、サイトを壊したり過負荷をかけたりする行為、結果を公式の数値や私たちのアドバイスとして示す行為など、不正な利用はしないでください。||知的財産：PayAbacusの文章、デザイン、コード、計算ツールは著作権で保護されています。PayAbacusを出典として明記すれば、非営利目的でスクリーンショットや個々の結果を共有できます。公式データはその出典（Eurostat、OECD、各国の当局など）に帰属し、その再利用条件に従って使用しています。フォントとグラフのライブラリはSIL Open Font LicenseとMITライセンスの下で使用しています。||他のウェブサイトへのリンクは情報提供のためのもので、その内容については各所有者が責任を負います。データの扱いについてはプライバシー通知で説明しています。||変更：この規約を更新することがあります。ここに表示されている版はその日付から適用され、変更後もサイトを利用し続けることで新しい版に同意したことになります。||準拠法と紛争：この規約はギリシャ法に準拠します。消費者の場合、居住国の強行法規による保護が失われることはありません。紛争は、強行法規が消費者に別の裁判所を認めない限り、ギリシャ・アテネの裁判所の管轄とします。||連絡先：{email}。最終更新：2026年10月12日。","Disclaimer: PayAbacus provides estimates for information only. They are based on the published rules and official sources listed for each country, with simplifying assumptions, and are not tax, legal, financial, investment, employment or pension advice. Your actual pay, taxes, benefits and pension may differ, rules can change during the year, and errors are possible despite careful checks. Before making decisions, confirm with the competent authority, your employer or a qualified professional. No liability is accepted for decisions based on these results, except where the law provides otherwise.":"免責事項：PayAbacusは情報提供のための推計のみを提供します。推計は各国について記載した公表規則と公式情報源に、簡略化した前提を加えて基づいており、税務、法律、金融、投資、雇用、年金のアドバイスではありません。実際の給与、税金、給付、年金は異なる場合があり、規則は年の途中でも変わることがあり、慎重に確認していても誤りがある可能性があります。決定の前に、所管官庁、雇用主、または資格のある専門家に確認してください。法律に別段の定めがある場合を除き、これらの結果に基づく決定について責任は負いません。","PayAbacus uses no cookies and no tracking. With your permission it can remember your inputs, language and display choices in this browser so you find them next time. This data never leaves your device.":"PayAbacusはCookieもトラッキングも使いません。許可があれば、入力内容、言語、表示の選択をこのブラウザに記憶し、次回も使えるようにします。このデータがデバイスの外に出ることはありません。","Don’t remember":"記憶しない","Disclaimer":"免責事項","Estimate for information only, not advice. Calculated with PayAbacus.":"情報提供のための推計であり、アドバイスではありません。PayAbacusで計算。","Disclaimer: estimates for information only, not tax, legal or financial advice. Confirm with the competent authority before making decisions.":"免責事項：情報提供のための推計であり、税務、法律、金融のアドバイスではありません。決定の前に所管官庁に確認してください。","Print or save as PDF":"印刷またはPDFとして保存","Printed from PayAbacus on {d}. Estimates for information only, not advice.":"{d} にPayAbacusから印刷。情報提供のための推計であり、アドバイスではありません。","Meal card / month (net)":"食事カード / 月（手取り）","Fuel card / month (net)":"燃料カード / 月（手取り）","Meal card (net, × 12)":"食事カード（手取り、× 12）","Fuel card (net, × 12)":"燃料カード（手取り、× 12）","Net pay + benefits / year":"手取り + 福利厚生 / 年","Entered as net amounts and added to your net pay as they are. Most countries exempt meal and fuel cards only up to a limit or for business use; above it the excess is taxed as pay, so check your payslip.":"手取り額として入力し、そのまま手取りに加算します。ほとんどの国では食事カードや燃料カードの免税は上限までか業務用に限られ、それを超える分は給与として課税されるため、給与明細を確認してください。","Reduction for tax withheld from pay ({p})":"給与から源泉徴収された税の軽減（{p}）","within €25 or 0.5% of the official figure; {n} past-year totals within 0.5% of the wage":"公式の数値との差が€25または0.5%以内。過去の年の合計 {n} 件は賃金の0.5%以内","Childcare & dependent subsidies / month (net)":"保育・扶養の補助 / 月（手取り）","Other benefits / month (net)":"その他の福利厚生 / 月（手取り）","Extra benefits":"追加の福利厚生","Partner net / month":"パートナーの手取り / 月","Partner enters":"パートナーの入力方法","Partner salaries / year":"パートナーの年間給与支払回数","Childcare & dependent subsidies (net, × 12)":"保育・扶養の補助（手取り、× 12）","Other benefits (net, × 12)":"その他の福利厚生（手取り、× 12）","Entered as net amounts and added to your net pay as they are. Most countries exempt such benefits only up to a limit or for specific uses; above it the excess is taxed as pay, so check your payslip.":"手取り額として入力し、そのまま手取りに加算します。ほとんどの国ではこうした福利厚生の免税は上限までか特定の用途に限られ、それを超える分は給与として課税されるため、給与明細を確認してください。","Work until your pension age":"年金受給年齢まで働く","Your money runs out at {a}":"{a} 歳でお金が尽きます"," Simple count, without interest, inflation or pension.":" 単純な計算で、利息、インフレ、年金は含みません。"," Unlike the emergency fund, which is a simple count, these results add interest, inflation and the state pension and, if you entered them, the end of the mortgage and planned drops in spending. Savings are used first; the investment account keeps growing until it is needed. So your money can last longer than the emergency-fund count suggests.":" 単純な計算である緊急資金とは異なり、これらの結果には利息、インフレ、公的年金と、入力していれば住宅ローンの完済や予定している支出の減少が加わります。まず貯蓄を使い、投資口座は必要になるまで増え続けます。そのため、緊急資金の計算よりもお金が長くもつことがあります。","Each dotted line, in the colour of its scenario, is the part of that scenario held in the investment account.":"各点線は、そのシナリオの色で、そのシナリオのうち投資口座に保有している部分を示します。","From your employer (% of gross)":"雇用主から（総支給の %）","From your salary":"給与から","Plan and payout":"プランと受け取り","From your bonus (% of bonus)":"賞与から（賞与の %）"," Room left: {r} a year, so From your salary can go up to {p} (it is a % of salary only, without the bonus).":" 残り枠：年 {r}。したがって「給与から」は {p} まで設定できます（賞与を含まない給与のみの % です）。","{a} per salary from you + {b} from your employer":"給与1回あたり本人 {a} + 雇用主 {b}"," + {c} a year from your bonus":" + 賞与から年 {c}","= {t} a year into the plan":"= プランに年 {t}","Future money":"将来の貨幣価値","Inflation / year (%)":"インフレ率 / 年（%）"," · in today’s money":" · 現在の貨幣価値","In today’s money: each future amount is divided by inflation of {i} a year up to that year, so it shows what it would buy now.":"現在の貨幣価値：将来の各金額をその年までの年 {i} のインフレで割り戻しているため、今それで何が買えるかを示します。","Hide full breakdown ▴":"詳細な内訳を隠す ▴","Show full breakdown ▾":"詳細な内訳を表示 ▾","{v} saved":"{v} 貯蓄","EFKA is still paid on your full gross; only income tax goes down. Your saving is roughly your top tax rate on every euro you contribute. The money in the plan is counted at full value, before the tax due when it is paid out; “What you gain in year 1” shows what it is worth if you take it out.":"EFKAは引き続き総支給全額にかかります。下がるのは所得税だけです。節約額は拠出1ユーロごとにおおよそ最高税率分です。プラン内のお金は、受け取り時にかかる税金の前の満額で計上しています。「1年目に得られるもの」は引き出した場合の価値を示します。","Why this differs from the table above:":"上の表と異なる理由：","the table shows {d} because it counts the money in the plan at full value. Here the plan is valued as if you cashed it in after 1 year: {d} + {i} return − {x} payout tax ({r}) = {g}. The payout tax falls the longer the money stays in the plan (down to {m} after more than 20 years), so over time the gain moves closer to the table figure.":"表ではプラン内のお金を満額で計上しているため {d} と表示されます。ここではプランを1年後に解約した場合として評価します：{d} + 運用益 {i} − 受け取り時の税 {x}（{r}）= {g}。受け取り時の税はプランに長く置くほど下がるため（20年超で {m} まで）、時間がたつにつれて利益は表の数値に近づきます。","purchasing power in EUR, priced as in {c}":"EURでの購買力、{c}の物価換算","With Purchasing power, every amount is converted to euros and adjusted to {c} prices, so a longer bar means it buys more than the same money would there.":"「購買力」では、すべての金額をユーロに換算して{c}の物価に合わせるため、棒が長いほど同じお金がそこで買える量より多く買えることを意味します。","With Nominal EUR, amounts are only converted to euros at ECB reference rates, without adjusting for price levels.":"「名目 EUR」では、金額をECBの参照レートでユーロに換算するだけで、物価水準の調整はしません。","{h} is the reference: there you keep {gr} a year.":"{h}が基準です：そこでは年 {gr} が手元に残ります。","<b>{c}</b>: you keep {net}{fx}, {d} than in {h}. Prices are {pd} (price level {pl} vs {pgr}), so this buys what <b>{pp}</b> buys there: {ppd} purchasing power.":"<b>{c}</b>：手元に {net}{fx} 残り、{h}より {d}。物価は {pd}（物価水準 {pl} 対 {pgr}）なので、そこで <b>{pp}</b> で買えるものが買えます：購買力は {ppd}。"," / year, priced as in {c}":" / 年、{c}の物価換算","Purchasing power (priced as in {c})":"購買力（{c}の物価換算）","Gross for same buying power as in {c}":"{c}と同じ購買力に必要な総支給","Single person, {k} children, age {a}, 2026 rules. Purchasing power converts net pay to euros and adjusts it by each country’s price level for household consumption (Eurostat, EU=100: {c} {pc}, Germany {de}, Italy {it}, Spain {es}, UK {gb}), so every amount shows what it would buy in {c}. These are national averages: big cities, especially rents in Munich, Milan, Madrid or London, can be much higher.":"単身者、子ども {k} 人、{a} 歳、2026年の規則。購買力は手取りをユーロに換算し、各国の家計消費の物価水準（Eurostat、EU=100：{c} {pc}、ドイツ {de}、イタリア {it}、スペイン {es}、英国 {gb}）で調整するため、すべての金額が{c}で何が買えるかを示します。これらは全国平均です。大都市、特にミュンヘン、ミラノ、マドリード、ロンドンの家賃はずっと高い場合があります。"," / month, priced as in {c}":" / 月、{c}の物価換算","Buying power / month (priced as in {c})":"購買力 / 月（{c}の物価換算）"," incl. unemployment benefit, priced as in {c}":" 失業手当込み、{c}の物価換算","Total (priced as in {c})":"合計（{c}の物価換算）","Show key columns only ▴":"主な列だけを表示 ▴","Show all details ▾":"すべての詳細を表示 ▾","Money left each month after rent and bills, priced as in {c}":"家賃と光熱費を払った後に毎月残るお金、{c}の物価換算","Left, priced as in {c}":"残る額、{c}の物価換算","Same, priced as in {c}":"同じ額、{c}の物価換算","What this compares: the same gross salary of {g} a year, run through each country’s 2026 tax and social-security rules for a single person aged {a} with {k} children. Each bar is that gross split into net pay (what you keep), income tax, your social security and, on top, the employer’s social security.":"比較の内容：同じ年 {g} の総支給を、子ども {k} 人の {a} 歳の単身者として各国の2026年の税金と社会保険の規則で計算します。各棒はその総支給を手取り（手元に残る額）、所得税、本人の社会保険料に分け、その上に雇用主の社会保険料を加えたものです。","What this compares: from the same gross salary of {g} a year, your net pay per month in each country minus the typical rent and, if ticked, the bills for your household, from official statistics. For each country the first bar is the money left in euros; the second is the same money adjusted to {c} prices, i.e. what it would buy there. A longer second bar means more left to live on.":"比較の内容：同じ年 {g} の総支給から、各国での月額手取りから、公式統計による一般的な家賃と、チェックした場合は世帯の光熱費を引いた額です。各国の1本目の棒はユーロで残る額、2本目は同じお金を{c}の物価に合わせた額、つまりそこで何が買えるかです。2本目の棒が長いほど、生活に使えるお金が多く残ります。","What this compares: the net state pension a year in each country after the same career on the same salary ({g} a year, {y} years so far plus {m} more), claimed at the age chosen on the left. The label shows the claim age.":"比較の内容：同じ給与（年 {g}、これまで {y} 年、さらに {m} 年）で同じキャリアを過ごし、左で選んだ年齢で請求した場合の、各国の年額手取りの公的年金です。ラベルは請求年齢を示します。","What this compares: what you would receive in each country if your employer dismissed you without fault, on {g} a year: net severance, pay for unused leave and the estimated total unemployment benefit, stacked in each bar.":"比較の内容：年 {g} の給与で雇用主から本人に責任のない解雇をされた場合に各国で受け取れる額：手取りの退職金、未消化休暇の給与、失業手当の推計合計を各棒に積み上げています。","What this compares: the legal minimum paid days off a year in each country for a 5-day week, annual leave plus public holidays that fall on weekdays in {y}. The table adds the main maternity, paternity, parental and sick-leave rules.":"比較の内容：週5日制での各国の法定最低の年間有給休日数、つまり年次休暇に{y}年の平日に当たる祝日を加えたものです。表には出産、父親、育児、病気の休暇の主な規則を加えています。","Past avg pay, EUR / year":"過去の平均給与、EUR / 年","Base year (money of)":"基準年（貨幣価値）","Bonus entered as":"賞与の入力方法","% of annual salary":"年収の %","Amount per year":"年額","Quick fill":"クイック入力","Starting year":"開始年","Gross / month in the starting year":"開始年の月額総支給","Fill empty years":"空いている年を埋める","Clear all years":"すべての年をクリア","Clear the salaries entered for every year?":"すべての年に入力した給与をクリアしますか？","Enter the gross monthly salary you had each year; leave a year empty to skip it. Net pay is calculated with that year’s tax and social-security rules for {c}.":"各年の月額総支給を入力してください。年を空欄にすると省略されます。手取りは{c}のその年の税金と社会保険の規則で計算されます。","Enter the gross monthly salary for each year. For {c} the site has only the 2026 rules, so for earlier years also enter the net per month from your payslips.":"各年の月額総支給を入力してください。{c}についてはサイトに2026年の規則しかないため、それ以前の年は給与明細の月額手取りも入力してください。","Your salary, year by year":"年ごとの給与","The current year uses the Salary tab when left empty. Amounts in {cur}.":"今年は空欄にすると「給与」タブを使います。金額：{cur}。","Bonus (% of salary)":"賞与（給与の %）","Net / month (payslip)":"月額手取り（給与明細）","calculated":"計算値","Net per month in {y}":"{y}年の月額手取り","{v} a month in {b} money · real change since {f}: {d}":"{b}年の貨幣価値で月 {v} · {f}年からの実質変化：{d}","Enter at least one year to see your history.":"履歴を見るには少なくとも1年分を入力してください。","Best year in real terms":"実質で最も良かった年","Weakest year in real terms":"実質で最も低かった年","net / month in {b} money":"月額手取り、{b}年の貨幣価値","Real change, {f} → {l}":"実質変化、{f} → {l}","net pay after inflation":"インフレ調整後の手取り","Prices, {f} → {b}":"物価、{f} → {b}","what cost {a} in {f} cost {v} in {b}":"{f}年に {a} だったものが{b}年には {v}","Net pay per year in {b} money":"{b}年の貨幣価値での年額手取り","Bars: your net pay each year converted into {b} money with the consumer price index, so the years can be compared. Line: the net pay as it was paid at the time.":"棒：各年の手取りを消費者物価指数で{b}年の貨幣価値に換算したもので、年どうしを比較できます。線：当時支払われたとおりの手取り。","Net, in {b} money":"手取り、{b}年の貨幣価値","Net, as paid":"手取り、支払額どおり","Real change in net pay vs {b}":"{b}年に対する手取りの実質変化","Real change vs {b}":"{b}年に対する実質変化","Net / year in {b} money":"年額手取り、{b}年の貨幣価値","There is no salary for {b}, so the real change is measured against {r}.":"{b}年の給与がないため、実質変化は{r}年を基準に測っています。","Net pay uses each year’s income-tax and social-security rules for an employee (Greece with the options of the Salary tab, such as children; other countries for a single person without children). “In {b} money” multiplies each year by the rise in consumer prices between that year and {b} (national consumer price index), so it shows what that pay would buy in {b}.":"手取りは各年の従業員の所得税と社会保険の規則を使います（ギリシャは子どもなど「給与」タブの選択肢を適用、他の国は子どものいない単身者）。「{b}年の貨幣価値」は各年にその年から{b}年までの消費者物価の上昇（全国消費者物価指数）を掛けたもので、その給与で{b}年に何が買えるかを示します。","For {c}, net pay before 2026 is the amount you entered; a year without it shows no net.":"{c}については、2026年より前の手取りは入力した金額です。入力のない年は手取りを表示しません。","Salary history":"給与の履歴","Your salary over the years":"これまでの給与の推移","For your pension: average gross so far":"年金のために：これまでの平均総支給","Average gross / month, in today’s money":"平均月額総支給、現在の貨幣価値","{n} years, {a}–{b}":"{n} 年、{a}〜{b}","Average gross / month, as paid":"平均月額総支給、支払額どおり","without adjusting for prices":"物価調整なし","The average of the gross monthly salaries you entered for past years (bonus not included). The Pension tab asks for past pay in today’s money, so the first figure raises each year by the price rise from that year to today. Years insured are set separately in the Pension tab.":"過去の年に入力した月額総支給の平均です（賞与は含みません）。「年金」タブでは過去の給与を現在の貨幣価値で求めるため、最初の数値は各年をその年から現在までの物価上昇分だけ引き上げています。加入年数は「年金」タブで別に設定します。","Use {v} in the Pension tab":"「年金」タブで {v} を使う","Saved: the Pension tab now uses {v}.":"保存しました：「年金」タブで {v} を使うようになりました。","Past years use each year’s standard rules for an employee (outside Greece for a single person without children); allowances, regional taxes or special schemes you had in a given year are not included.":"過去の年は、各年の従業員向けの標準的な規則を使います（ギリシャ以外は子どものいない単身者）。特定の年に受けていた控除、地方税、特別な制度は含まれません。","The site has no tax rules before 2026 for {c}, so net pay for those years is the amount you enter from your payslips.":"{c}についてはサイトに2026年より前の税の規則がないため、その年の手取りは給与明細から入力する金額です。","This notice explains what happens to data when you use PayAbacus. The person responsible (the controller) is named at the end.||No accounts and nothing sent: all calculations run in your browser. What you type is not sent to us or to anyone else, and we cannot see it.||No cookies, no advertising and no profiling: the site sets no cookies and has no ads or social-media plugins. To see which pages are used, visits are counted with Cloudflare Web Analytics, which works without cookies, does not follow you across websites and does not build profiles. If a page hits a technical error, your browser sends a short error report (the error message, the page and the browser type), never what you typed. The legal basis is our legitimate interest in a working, secure website (Article 6(1)(f) GDPR). The fonts and the chart library are served from this website itself.||Storage on your device, only with your consent: if you choose “Remember on this device”, your last inputs, language, theme and the sections you opened are kept in your browser’s local storage so you find them next time. This data stays on your device and is never sent to us. Your choice itself is stored so that we do not ask again. The legal basis is your consent (Article 6(1)(a) GDPR and Article 4(5) of Greek Law 3471/2006). You can withdraw it at any time with the button below; this deletes the stored data and does not affect what was lawful before.||Hosting: the website is hosted by Cloudflare, Inc. (101 Townsend St., San Francisco, CA 94107, USA), which processes data for us under a data processing agreement. To deliver the pages, Cloudflare automatically receives the technical data every browser sends (IP address, date and time, page requested, browser and device type) and may keep it for a short time in server logs for security, protection against attacks and troubleshooting. Error reports are deleted after 30 days at the latest. Data may be processed in the USA; Cloudflare is certified under the EU-U.S. Data Privacy Framework and also uses the EU Standard Contractual Clauses. We do not use this data to identify you.||Emails: if you write to us, including with “Report a mistake”, we receive your email address and what you write. The report window only prepares a message that you can read and change; nothing is sent until you send it yourself. We use your message only to reply and to correct the site (legitimate interest, Article 6(1)(f) GDPR) and delete it when it is no longer needed, at the latest after two years. Messages to our address are forwarded by Cloudflare Email Routing to a mailbox provided by Google (Gmail); both process the messages for us.||Your rights: you can ask for access to your personal data, its correction or erasure, restriction of processing and data portability, you can object to processing, and you can withdraw consent at any time. No automated decisions or profiling take place. The site is not directed at children under 15.||We will update this notice if our practices change. Last updated: 22 October 2026.":"この通知は、PayAbacusを使うときにデータがどう扱われるかを説明するものです。責任者（管理者）は最後に記載しています。||アカウントなし、送信なし：すべての計算はブラウザ内で行われます。入力した内容は私たちにも他の誰にも送信されず、私たちが見ることはできません。||Cookieなし、広告なし、プロファイリングなし：このサイトはCookieを設定せず、広告やソーシャルメディアのプラグインもありません。どのページが使われているかを知るため、訪問はCloudflare Web Analyticsで数えています。これはCookieを使わず、ウェブサイトをまたいで追跡せず、プロファイルを作りません。ページで技術的なエラーが起きると、ブラウザが短いエラー報告（エラーメッセージ、ページ、ブラウザの種類）を送信しますが、入力した内容は決して送りません。法的根拠は、正常に動作する安全なウェブサイトという私たちの正当な利益です（GDPR第6条1項(f)）。フォントとグラフのライブラリはこのウェブサイト自体から配信されます。||同意がある場合のみデバイスに保存：「このデバイスで記憶する」を選ぶと、最後の入力、言語、テーマ、開いたセクションがブラウザのローカルストレージに保存され、次回も使えます。このデータはデバイスに残り、私たちに送信されることはありません。再度お尋ねしないよう、選択自体も保存されます。法的根拠はあなたの同意です（GDPR第6条1項(a)およびギリシャ法3471/2006第4条5項）。下のボタンでいつでも撤回でき、保存されたデータは削除されます。撤回前の処理の適法性には影響しません。||ホスティング：このウェブサイトはCloudflare, Inc.（101 Townsend St., San Francisco, CA 94107, USA）がホストしており、データ処理契約に基づいて私たちに代わってデータを処理します。ページを配信するため、Cloudflareはあらゆるブラウザが送信する技術データ（IPアドレス、日時、要求されたページ、ブラウザとデバイスの種類）を自動的に受け取り、セキュリティ、攻撃からの保護、障害対応のためサーバーログに短期間保管する場合があります。エラー報告は遅くとも30日後に削除されます。データは米国で処理される場合があります。CloudflareはEU-U.S. Data Privacy Frameworkの認証を受けており、EUの標準契約条項も使用しています。私たちはこのデータをあなたの特定には使いません。||メール：「誤りを報告」を含めて私たちにメールを送ると、あなたのメールアドレスと書いた内容を受け取ります。報告ウィンドウは、読んで変更できるメッセージを用意するだけで、あなた自身が送信するまで何も送られません。メッセージは返信とサイトの修正のためだけに使い（正当な利益、GDPR第6条1項(f)）、不要になれば、遅くとも2年後に削除します。私たちのアドレス宛てのメッセージはCloudflare Email RoutingによってGoogle（Gmail）が提供するメールボックスに転送され、両社が私たちに代わってメッセージを処理します。||あなたの権利：個人データへのアクセス、訂正、消去、処理の制限、データポータビリティを求めることができ、処理に異議を唱えることも、同意をいつでも撤回することもできます。自動化された意思決定やプロファイリングは行いません。このサイトは15歳未満の子どもを対象としていません。||運用が変わった場合はこの通知を更新します。最終更新：2026年10月22日。","PayAbacus uses no cookies. Visits are counted anonymously, without cookies or profiles. With your permission it can remember your inputs, language and display choices in this browser so you find them next time. This data never leaves your device.":"PayAbacusはCookieを使いません。訪問はCookieやプロファイルなしで匿名で数えています。許可があれば、入力内容、言語、表示の選択をこのブラウザに記憶し、次回も使えるようにします。このデータがデバイスの外に出ることはありません。","Unused leave ({0} days)":"未消化休暇（{0} 日）","Annual leave · {0}":"年次休暇 · {0}","working days · legal minimum {0}":"労働日 · 法定最低 {0}","Claim at {0} · {1} years · {2}":"{0} 歳で請求 · {1} 年 · {2}","{0} weeks":"{0} 週","Bonus":"賞与","age {0}":"{0} 歳","{0} years of service":"勤続 {0} 年","{0} days":"{0} 日","after {0} tax & charges":"税金・負担 {0} 控除後","{0} → {1} (max {2} weeks)":"{0} → {1}（最大 {2} 週）","{0} / week at first, {1} weeks":"最初は週 {0}、{1} 週","{0} less than without it ({1}) · tax & contributions saved cover {2}":"加入しない場合（{1}）より {0} 少ない · 節約できた税金と保険料で {2} をまかなえます","Contributions of {0} exceed the limit by {1}; the excess gets no relief.":"拠出額 {0} は上限を {1} 超えています。超過分は控除の対象になりません。","Country and language":"国と言語","Country and language: ":"国と言語： ","Search country":"国を検索","Selected":"選択中","Europe":"ヨーロッパ","Americas":"南北アメリカ","Asia-Pacific":"アジア太平洋","No country found":"国が見つかりません","checked {m}":"確認 {m}","Details and disclaimer":"詳細と免責事項","Estimates only, not tax, legal or financial advice":"推計のみ。税務、法律、金融のアドバイスではありません","Cities & rent":"都市と家賃","Home":"住居","Location":"場所","1 bedroom":"1寝室","3 bedrooms (family)":"3寝室（家族向け）","City centre":"市の中心部","Outside centre":"中心部以外","City":"都市","Rent":"家賃","Utilities":"光熱費","Price level (NY=100)":"物価水準（NY=100）","Home compared":"比較する住居","3 bedrooms":"3寝室","city centre":"市の中心部","outside centre":"中心部以外","rent + utilities":"家賃 + 光熱費","rent only":"家賃のみ","Cities side by side (per month)":"都市の比較（月額）"," / month in {r} prices":" / 月、{r}の物価換算","Money left each month after housing, in {r} prices":"住居費の後に毎月残るお金、{r}の物価換算","Left in {r} prices":"残る額、{r}の物価換算","Same, in {r} prices":"同じ額、{r}の物価換算","Athens":"アテネ","Munich":"ミュンヘン","Milan":"ミラノ","Rome":"ローマ","IRPF, €30,000, general scale, single":"IRPF、€30,000、一般税率表、単身","yours":"あなた","Your rent / month (€)":"あなたの家賃 / 月（€）","Your rent / month (£)":"あなたの家賃 / 月（£）","Type your own rent in any city to replace the typical figure (shown greyed in the box); leave it empty to use the typical rent.":"どの都市でも自分の家賃を入力すると、典型的な数値（欄に灰色で表示）と置き換わります。空欄なら典型的な家賃を使います。","Gross / month in the recent year (€)":"最近の年の月額総支給（€）","Gross / month in the recent year (£)":"最近の年の月額総支給（£）","Gross / month in the earlier year (€)":"以前の年の月額総支給（€）","Gross / month in the earlier year (£)":"以前の年の月額総支給（£）","Gross / month now (€)":"現在の月額総支給（€）","Gross / month now (£)":"現在の月額総支給（£）","Average gross / month so far (€)":"これまでの平均月額総支給（€）","Average gross / month so far (£)":"これまでの平均月額総支給（£）","Savings and deposits now (€)":"現在の貯蓄・預金（€）","Savings and deposits now (£)":"現在の貯蓄・預金（£）","Housing (rent or mortgage) (€)":"住居（家賃または住宅ローン）（€）","Housing (rent or mortgage) (£)":"住居（家賃または住宅ローン）（£）","Food and groceries (€)":"食料品（€）","Food and groceries (£)":"食料品（£）","Transport and car (€)":"交通・自動車（€）","Transport and car (£)":"交通・自動車（£）","Bills (power, water, phone, internet) (€)":"光熱・通信費（電気、水道、電話、インターネット）（€）","Bills (power, water, phone, internet) (£)":"光熱・通信費（電気、水道、電話、インターネット）（£）","Children and school (€)":"子ども・学校（€）","Children and school (£)":"子ども・学校（£）","Leisure and eating out (€)":"レジャー・外食（€）","Leisure and eating out (£)":"レジャー・外食（£）","Loan repayments (not the home) (€)":"ローン返済（住宅以外）（€）","Loan repayments (not the home) (£)":"ローン返済（住宅以外）（£）","Other (€)":"その他（€）","Other (£)":"その他（£）","Vacations (per year) (€)":"休暇旅行（年額）（€）","Vacations (per year) (£)":"休暇旅行（年額）（£）","Net / month now (payslip) (€)":"現在の月額手取り（給与明細）（€）","Net / month now (payslip) (£)":"現在の月額手取り（給与明細）（£）","City (for typical costs)":"都市（典型的な費用用）","Typical rent in your area (optional) (€)":"お住まいの地域の一般的な家賃（任意）（€）","Typical rent in your area (optional) (£)":"お住まいの地域の一般的な家賃（任意）（£）","by (per month, today’s money) (€)":"減少額（月額、現在の貨幣価値）（€）","by (per month, today’s money) (£)":"減少額（月額、現在の貨幣価値）（£）","vs {y}":"{y}年比","Same salary, five countries":"同じ給与、5か国","National Insurance 8% / 2%":"国民保険 8% / 2%","EUR → GBP rate":"EUR → GBP レート","IRPEF 2026":"IRPEF 2026年","INPS Gestione Separata 26.07%":"INPS Gestione Separata 26.07%","Class 4 National Insurance":"クラス4国民保険","100%":"100%","Tax-free zone of €11,000–12,000 for employees, raised for each child (bigger step at the third child). Rates fall each year: 29% → 27% → 25% middle band, 40% top.":"従業員の非課税枠は€11,000〜12,000で、子ども1人ごとに引き上げ（第3子でより大きく）。税率は毎年下がります：中間区分29% → 27% → 25%、最高40%。","Nine-band scale from 18% to 45% above the €12,000 tax-free zone (+€1,500 per child, +€11,500 for three).":"€12,000の非課税枠を超えて18%から45%までの9区分の税率表（子ども1人につき+€1,500、3人で+€11,500）。","Tax-free zone cut to €5,000 (+€2,000 per child), then 10%–45%. Solidarity levy of 1–4% applied on the whole income.":"非課税枠は€5,000（子ども1人につき+€2,000）に縮小、その後10%〜45%。所得全体に1〜4%の連帯税。","Three bands: 22% / 32% / 42%. Tax credit €2,100, reduced by €100 per €1,000 above €21,000. Children do not change the tax. 2015 levy becomes progressive (0.7%–8%).":"3区分：22% / 32% / 42%。税額控除€2,100、€21,000を超える€1,000ごとに€100減額。子どもは税額に影響しません。2015年の連帯税は累進（0.7%〜8%）に。","Four bands: 22% / 29% / 37% / 45%. Tax credit €1,900–2,100 depending on children, minus 1% of income above €20,000. Solidarity levy 2.2%–10%.":"4区分：22% / 29% / 37% / 45%。税額控除は子どもに応じて€1,900〜2,100、€20,000を超える所得の1%を減額。連帯税2.2%〜10%。","Five bands: 9% / 22% / 28% / 36% / 44%. Tax credit €777 (no child) up to €1,340 (four), minus €20 per €1,000 above €12,000. Solidarity levy suspended for private-sector employees from 2021, abolished for all from 2023. 30% e-spending rule.":"5区分：9% / 22% / 28% / 36% / 44%。税額控除は€777（子どもなし）から€1,340（4人）、€12,000を超える€1,000ごとに€20減額。連帯税は民間部門の従業員について2021年から停止、2023年から全員について廃止。電子決済30%ルール。","New scale 9% / 20% / 26% / 34% / 39% / 44%. Families pay less in the €10–30k bands (10–20k: 18% / 16% / 9% / 0% for 1 / 2 / 3 / 4+ children). Under 25s pay 0% up to €20,000; ages 26–30 pay 9% on €10–20k.":"新しい税率表 9% / 20% / 26% / 34% / 39% / 44%。家族は€10〜30kの区分で税金が少なくなります（10〜20k：子ども1 / 2 / 3 / 4人以上で18% / 16% / 9% / 0%）。25歳未満は€20,000まで0%、26〜30歳は€10〜20kに9%。","You need at least 15 years (4,500 days) of insurance for any old-age pension.":"老齢年金を受け取るには少なくとも15年（4,500日）の保険加入が必要です。","Full pension at 67 with 15+ years, or at 62 with 40 years (12,000 days).":"15年以上で67歳、または40年（12,000日）で62歳に満額年金。","With 15+ years you can retire from 62, with a lifelong cut of 1/200 per month before 67 (6% a year, up to 30%).":"15年以上なら62歳から退職でき、67歳より前の1か月ごとに1/200の生涯減額（年6%、最大30%）。","A flat amount (about €447 / month in 2026) with 20+ years; 2% less for each year below 20 (90% at 15 years). Needs 15+ years living in Greece after 15; full at 40.":"20年以上で定額（2026年は月約€447）。20年に満たない1年ごとに2%減額（15年で90%）。15歳以降にギリシャに15年以上住んでいることが必要で、40年で満額。","Career-average monthly earnings × accrual rate. Each year adds 0.77% (first 15), then 0.84, 0.90, 0.96, 1.03, 1.21%, and 2.55–2.85% after 30 years (Law 4670/2020). 40 years ≈ 53%.":"キャリア平均の月収 × 給付乗率。1年ごとに0.77%（最初の15年）、その後0.84、0.90、0.96、1.03、1.21%、30年以降は2.55〜2.85%（法律4670/2020）。40年で約53%。","ΕΤΕΑΕΠ: 0.45% per year for time up to 2014; from 2015 a notional account of 6% of pay turned into a lifelong pension. People first insured from 2022 go to the funded ΤΕΚΑ.":"ΕΤΕΑΕΠ：2014年までの期間は1年につき0.45%。2015年からは給与の6%の概念上の口座が終身年金になります。2022年以降に初めて加入した人は積立型のΤΕΚΑに入ります。","With 15 years, most of them in ΒΑΕ jobs: full pension at 62, reduced from 57.":"15年加入、その大半がΒΑΕ職：62歳で満額年金、57歳から減額。","Pensioners pay 6% health contribution and income tax on the same scale as wages. Pensions are paid 12 times a year and rise each year roughly with inflation.":"年金受給者は6%の健康保険料と、給与と同じ税率表による所得税を払います。年金は年12回支払われ、毎年おおむねインフレに合わせて上がります。","For monthly-paid staff: monthly salary × 6 ÷ 25 ÷ 40 (about 0.6% of the monthly salary).":"月給制の職員の場合：月給 × 6 ÷ 25 ÷ 40（月給の約0.6%）。","Hours 41–45 a week on a 5-day week (41–48 on a 6-day week) are paid +20%.":"週5日制で週41〜45時間（週6日制で41〜48時間）は+20%で支払われます。","Beyond that, overtime is paid +40%, up to 3 hours a day and 150 hours a year. It must be declared in ΕΡΓΑΝΗ beforehand; undeclared overtime is paid +120%.":"それを超える時間外労働は+40%、1日最大3時間、年150時間まで。事前にΕΡΓΑΝΗに届け出る必要があり、届け出のない時間外労働は+120%で支払われます。","Work 22:00–06:00 earns +25%; Sundays and public holidays +75%. Premiums add up and apply on top of overtime.":"22:00〜06:00の労働は+25%、日曜と祝日は+75%。割増は合算され、時間外労働にも上乗せされます。","After the first 12 months (probation, Law 4808/2021): 2 months’ pay up to 4 years, then +1 month per 2 years to 5 months at 8–10 years, then +1 month a year up to 12 months at 16 years.":"最初の12か月（試用期間、法律4808/2021）の後：4年までは給与2か月分、その後2年ごとに+1か月で8〜10年で5か月、その後1年ごとに+1か月で16年で最大12か月。","Last regular monthly salary plus 1/6 for the Christmas and Easter bonuses and holiday allowance.":"直近の通常の月給に、クリスマス賞与、イースター賞与、休暇手当の1/6を加えた額。","The employer may give 1–4 months’ written notice (by service) and then pays half the severance. You keep working and are paid during the notice.":"雇用主は1〜4か月前（勤続による）に書面で予告することができ、その場合は退職金の半分を支払います。予告期間中は働き続け、給与が支払われます。","If you had 17+ years with the same employer on 12/11/2012: +1 month per year above 16, up to 12 extra, on salary capped at €2,000.":"2012年11月12日時点で同じ雇用主で17年以上勤続していた場合：16年を超える1年ごとに+1か月、最大12か月追加、給与の上限は€2,000。","Resigning gives no severance. Leaving with a full-pension right gives 40% of severance (50% without supplementary insurance). Pro-rata bonuses and unused leave are always paid.":"自己都合退職では退職金は支払われません。満額年金の受給権を得て退職する場合は退職金の40%（補足保険がなければ50%）。賞与の按分と未消化の休暇は必ず支払われます。","Severance has no EFKA and is taxed separately: 0% up to €60,000, 10% to €100,000, 20% to €150,000, 30% above. Bonuses and leave pay are taxed as salary.":"退職金にはEFKAがかからず、分離課税されます：€60,000まで0%、€100,000まで10%、€150,000まで20%、それを超える部分は30%。賞与と休暇の給与は給与として課税されます。","A dismissal must be challenged in court within 60 days (Law 4808/2021); claims for unpaid severance within 6 months. Act early.":"解雇は60日以内に裁判所で争わなければなりません（法律4808/2021）。未払いの退職金の請求は6か月以内。早めに行動してください。","After a dismissal: 5 to 12 months depending on insured days in the 14 months before (125 days → 5 months … 250 days → 12), +10% per dependant. Register with ΔΥΠΑ promptly.":"解雇後：離職前14か月の被保険日数に応じて5〜12か月（125日 → 5か月 … 250日 → 12か月）、扶養家族1人につき+10%。速やかにΔΥΠΑに登録してください。","Income tax class {0} incl. {1} employment fund":"所得税 クラス{0}、雇用基金 {1} を含む","Tax credits (employee + CO{0})":"税額控除（従業員 + CO{0}）","Tax credits (employee + CO{0} + single parent)":"税額控除（従業員 + CO{0} + ひとり親）","Severance ({0} months, tax-free)":"退職金（{0} か月、非課税）","Thessaloniki":"テッサロニキ","Berlin":"ベルリン","Hamburg":"ハンブルク","Frankfurt":"フランクフルト","Turin":"トリノ","London":"ロンドン","Manchester":"マンチェスター","Severance ({0} days)":"退職金（{0} 日）","Income tax incl. {0} municipal surcharge":"所得税、市町村付加税 {0} を含む","Notice indemnity ({0} weeks of pay, if not worked)":"予告補償金（給与 {0} 週分、勤務しない場合）","Taxable income after {0} allowance ({1} tax shares)":"{0} の控除後の課税所得（課税単位 {1}）","Legal severance (indemnité légale, tax-free)":"法定退職金（indemnité légale、非課税）","{0} (single rate) of your pay (capped at {1} a year) × {2}/{3} years. Legal age {4}; from {5}–{6} only with {7}–{8} career years. Net after the {9} health contribution and tax with the pension reduction (estimate).":"給与（年 {1} が上限）の {0}（単身者の率）× {2}/{3} 年。法定年齢 {4}。{5}〜{6} 歳からはキャリア {7}〜{8} 年の場合のみ。{9} の健康保険料と年金軽減を適用した税を引いた手取り（推計）。","Tax credits (personal + employee)":"税額控除（個人 + 従業員）","Universal Social Charge (USC)":"普遍的社会負担金（USC）","State Pension (Contributory) {0} a week ({1}/{2} years of contributions). No early state pension; you can defer it up to {3} for a higher rate. Workplace and auto-enrolment pensions come on top.":"国家年金（拠出制）週 {0}（保険料納付 {1}/{2} 年）。国家年金の繰上げはなく、{3} 歳まで繰り下げると週額が増えます。職域年金と自動加入年金は別途加算されます。","Your pension contributions get income-tax relief up to {0} this year ({1} of earnings up to {2} at your age). USC and PRSI still apply.":"あなたの年金拠出は今年 {0} まで所得税の軽減を受けます（あなたの年齢では {2} までの収入の {1}）。USCとPRSIは引き続きかかります。","Barcelona":"バルセロナ","Income tax (single rates)":"所得税（単身者の税率）","Two-thirds pension: ⅔ of your average pay over the best {0} years (capped at {1}) × {2}/{3} years of contributions. Age {4} (born from {5}); from {6} if you have the full {7} years and stop working. Cost-of-living increases are added every year.":"3分の2年金：最も良い {0} 年の平均給与（上限 {1}）の⅔ × 保険料納付 {2}/{3} 年。年齢 {4}（{5}年以降生まれ）。{7} 年の満額を満たして働くのをやめれば {6} 歳から。生活費調整が毎年加わります。","Personal retirement schemes give a {0} tax credit on up to {1} a year (max {2}), here {3}, shown as an extra contribution.":"個人退職制度では年 {1} まで（最大 {2}）に {0} の税額控除があり、ここでは {3}、追加の拠出として表示しています。","Compensation ({0} days of base pay per year, tax-free)":"補償金（1年につき基本給 {0} 日分、非課税）","Burial fee and public service fee":"埋葬費と公共放送費","{0} months":"{0} か月","{0} month(s)":"{0} か月","Severance pay (odprawa, {0} months)":"退職金（odprawa、{0} か月）","ZUS pension: the {0} recorded on your account and sub-account ({1} of pay, in today’s money) divided by {2} months of average further life at {3} (GUS table from {4} April {5}). Pension age {6}; the minimum needs {7} years. Health insurance of {8} and income tax are deducted. A {9}th pension (PLN {10}) is paid each April. Capital from before {11} and OFE are not modelled.":"ZUS年金：口座とサブ口座に記録された {0}（給与の {1}、現在の貨幣価値）を、{3} 歳の平均余命 {2} か月（{5}年{4}月からのGUSの表）で割った額。年金年齢 {6}。最低年金には {7} 年が必要。{8} の健康保険料と所得税を差し引き。毎年4月に {9} 回目の年金（PLN {10}）が支払われます。{11} 年以前の資本とOFEはモデル化していません。","PPK: you pay {0} (up to {1}) and your employer {2} (up to {3}); the employer part counts as taxable income. The state adds PLN {4} a year ({5}) and a PLN {6} welcome payment.":"PPK：本人が {0}（最大 {1}）、雇用主が {2}（最大 {3}）を払い、雇用主分は課税所得として扱われます。国は年PLN {4}（{5}）と加入時のPLN {6} を加えます。","{0} a month for {1} months, then {2} for {3} months (taxable)":"月 {0} を {1} か月、その後 {2} を {3} か月（課税）","{0} months: {1}, then {2} and {3} of your net pay (up to about CZK {4} a month); starts after the months covered by severance":"{0} か月：{1}、その後手取りの {2} と {3}（月約CZK {4} まで）。退職金でカバーされる月数の後に開始","Severance pay ({0} months)":"退職金（{0} か月）","Severance pay ({0} month)":"退職金（{0} か月）","Basic amount CZK {0} + {1} for each of your {2} years of a calculation base of {3} (your average earnings {4} a month, reduced at CZK {5} and {6}). Pension age {7} for your birth year, with {8} years of insurance; up to {9} years early with {10} years ({11} of the base per {12} days). Minimum CZK {13}; old-age pensions are in practice tax-free.":"基本額CZK {0} + 算定基礎 {3}（平均収入 月 {4} をCZK {5} と {6} で減額）に対して、{2} 年それぞれ {1}。あなたの生年の年金年齢は {7}、保険加入 {8} 年。{10} 年加入なら最大 {9} 年早く（{12} 日ごとに算定基礎の {11}）。最低CZK {13}。老齢年金は実際には非課税です。","State contribution {0} a year ({1} of your monthly contribution from CZK {2} up to {3}); the part above CZK {4} a month is tax-deductible up to CZK {5} ({6}). Employer contributions are tax-free up to CZK {7}.":"国の拠出は年 {0}（月CZK {2} から {3} までの拠出の {1}）。月CZK {4} を超える部分はCZK {5} まで税控除の対象（{6}）。雇用主の拠出はCZK {7} まで非課税。","90 days + {0} + {1} days":"90日 + {0} + {1} 日","Odprawa ({0} months)":"Odprawa（{0} か月）","PPK: you pay 2% (up to 4%) and your employer 1.5% (up to 4%); the employer part counts as taxable income. The state adds PLN 240 a year ({0}) and a PLN 250 welcome payment.":"PPK：本人が2%（最大4%）、雇用主が1.5%（最大4%）を払い、雇用主分は課税所得として扱われます。国は年PLN 240（{0}）と加入時のPLN 250を加えます。","{0} a month for 3 months, then {1} for 3 months (taxable){2}":"月 {0} を3か月、その後 {1} を3か月（課税）{2}","resign":"resign","; after resigning it starts only after 90 days":"。自己都合退職の後は90日後に開始","Severance pay (odprawa, {0} month)":"退職金（odprawa、{0} か月）","{0} month":"{0} か月","ZUS pension: the {0} recorded on your account and sub-account (19.52% of pay, in today’s money) divided by {1} months of average further life at {2} (GUS table from 1 April 2026).{3} Pension age {4}; the minimum needs {5} years. Health insurance of 9% and income tax are deducted. A 13th pension (PLN 1,978.49) is paid each April. Capital from before 1999 and OFE are not modelled.":"ZUS年金：口座とサブ口座に記録された {0}（給与の19.52%、現在の貨幣価値）を、{2} 歳の平均余命 {1} か月（2026年4月1日からのGUSの表）で割った額。{3} 年金年齢 {4}。最低年金には {5} 年が必要。9%の健康保険料と所得税を差し引き。毎年4月に13回目の年金（PLN 1,978.49）が支払われます。1999年以前の資本とOFEはモデル化していません。"," Raised to the guaranteed minimum of PLN 1,978.49.":" 保証最低額PLN 1,978.49まで引き上げ。","Notice + severance ({0} months)":"予告 + 退職金（{0} か月）","Voluntary pension fund: 20% of your contributions comes back as a tax credit paid into your account, up to HUF 150,000 a year ({0}).":"任意年金基金：拠出額の20%が税額控除として口座に戻ります。年最大HUF 150,000（{0}）。","{0} a month (60% of pay, up to the minimum wage) for {1} days (taxable)":"月 {0}（給与の60%、最低賃金まで）を {1} 日（課税）","Notice pay in lieu ({0} days, at least half free from work)":"予告に代わる支払い（{0} 日、少なくとも半分は勤務免除）","Old-age pension: {0} (for {1} years of service) of your net average earnings {2} a month, after the degression above HUF 372,000. From age 65 with 20 years (a partial pension with 15); women with 40 years of eligible time can retire at any age. A 13th monthly pension is paid each February; pensions are not taxed.":"老齢年金：平均手取り月収 {2}（372,000フォリント超は逓減後）の {0}（勤続 {1} 年）。20年で65歳から（15年なら部分年金）。対象期間40年の女性は年齢を問わず退職可能。毎年2月に13か月目の年金が支払われ、年金は非課税です。","Severance ({0} months)":"退職金（{0} か月）","State contribution {0} a year (20% of your monthly contribution from CZK 500 up to 1,700); the part above CZK 1,700 a month is tax-deductible up to CZK 48,000 ({1}). Employer contributions are tax-free up to CZK 50,000.":"国の拠出は年 {0}（月CZK 500から1,700までの拠出の20%）。月CZK 1,700を超える部分はCZK 48,000まで税控除の対象（{1}）。雇用主の拠出はCZK 50,000まで非課税。","{0} months: 80%, then 50% and 40% of your net pay (up to about CZK 38,537 a month); starts after the months covered by severance":"{0} か月：手取りの80%、その後50%と40%（月約CZK 38,537まで）。退職金でカバーされる月数の後に開始","Basic amount CZK 4,900 + {0} for each of your {1} years of a calculation base of {2} (your average earnings {3} a month, reduced at CZK 21,546 and 195,868). Pension age {4} for your birth year, with 35 years of insurance; up to 3 years early with 40 years (−1.5% of the base per 90 days). Minimum CZK 9,800; old-age pensions are in practice tax-free.":"基本額CZK 4,900 + 算定基礎 {2}（平均収入 月 {3} をCZK 21,546と195,868で減額）に対して、{1} 年それぞれ {0}。あなたの生年の年金年齢は {4}、保険加入35年。40年加入なら最大3年早く（90日ごとに算定基礎の−1.5%）。最低CZK 9,800。老齢年金は実際には非課税です。","Third-pillar contributions are deductible up to 15% of your income and €6,000 a year ({0}).":"第3の柱の拠出は所得の15%、年€6,000まで控除可能（{0}）。","60% of your pay for 100 days, then 40%, for {0} days in total (taxable)":"100日間は給与の60%、その後40%、合計 {0} 日（課税）","Unemployment Insurance Fund redundancy benefit ({0} months)":"失業保険基金の整理解雇給付（{0} か月）","Unemployment Insurance Fund redundancy benefit ({0} month)":"失業保険基金の整理解雇給付（{0} か月）","Notice paid in lieu ({0} days)":"予告に代わる支払い（{0} 日）","State old-age pension: base part €399.24 + €10.477 for each insurance component ({0} in total; one component is a year of average pay). From age 65 with 15 years of service; up to 5 years earlier with 0.4% less per month, or 0.9% more per month for each month you defer. Income tax of 22% applies above €776 a month. The funded second pillar is paid separately.":"国の老齢年金：基礎部分€399.24 + 保険要素1つにつき€10.477（合計 {0}、1要素は平均給与での1年）。勤続15年で65歳から。最大5年早く1か月につき0.4%減額、または繰り下げる1か月ごとに0.9%増額。月€776を超える部分に22%の所得税。積立型の第2の柱は別途支払われます。","Funded pension (II pillar) {0}%":"積立年金（第2の柱）{0}%","Contributions to a voluntary pension fund are deductible up to 10% of your taxable income ({0} a year).":"任意年金基金への拠出は課税所得の10%まで控除可能（年 {0}）。","about {0} a working day for {1} months (60% of your insurable income, within the 2026 limits)":"労働日1日あたり約 {0} を {1} か月（被保険所得の60%、2026年の上下限の範囲内）","Retirement compensation ({0} months’ pay)":"退職時の補償（給与 {0} か月分）","State pension: {0} a month of average insurable income × {1} years × 1.35%{2}. You need age {3} and {4} years of service in {5} (or age 67 with 15 years); up to one year earlier with a 0.4% cut per month. Between €347.51 and €1,738.40 a month; pensions are not taxed.":"国家年金：平均被保険所得 月 {0} × {1} 年 × 1.35%{2}。{5}年は {3} 歳と勤続 {4} 年が必要（または15年で67歳）。最大1年早く、1か月につき0.4%減額。月€347.51から€1,738.40の間。年金は非課税です。",", reduced by about a quarter for the years in a universal pension fund (UPF), which pays its own pension on top":"、ユニバーサル年金基金（UPF）に加入していた年数分は約4分の1減額され、基金が別に年金を支払います","Salary sacrifice is taken before income tax and the Medicare levy and taxed at 15% in the fund instead. All concessional contributions (yours plus the employer’s {0}) count towards the $32,500 cap for 2026–27; unused cap from the last 5 years can be carried forward if your balance is under $500,000.{1}":"Salary sacrificeは所得税とメディケア賦課金の前に差し引かれ、代わりに基金内で15%課税されます。すべての優遇拠出（本人分と雇用主分 {0}）は2026〜27年の上限$32,500に算入されます。残高が$500,000未満なら、過去5年の未使用枠を繰り越せます。{1}"," Above $250,000 of income, Division 293 adds another 15% on contributions.":" 所得$250,000を超えると、Division 293により拠出にさらに15%かかります。","{0} wk":"{0} 週","{0} a fortnight JobSeeker Payment, shown for 6 months (means-tested; redundancy pay and savings can delay the start)":"2週間あたり {0} の求職者給付、6か月分を表示（所得・資産審査あり。整理解雇手当と貯蓄があると開始が遅れる場合あり）","{0} week":"{0} 週","Pay in lieu of notice ({0} weeks)":"予告に代わる支払い（{0} 週）","NES redundancy pay ({0} weeks)":"NESの整理解雇手当（{0} 週）","Age Pension from age 67 after at least 10 years living in Australia (the years above count as residence): up to {0} a fortnight for a single person ({1} each for a couple). It is means-tested: your savings and super of {2} are deemed to earn {3} a year, giving {4} under the income test, and the assets test ({5}) gives {6}; the lower amount is paid. The pension is funded from general tax, so there are no contributions, and with no other income the seniors tax offset means no tax is due. Your super is in the Super tab.":"オーストラリアに少なくとも10年住んだ後、67歳から老齢年金（上記の年数を居住期間として計算）：単身者は2週間あたり最大 {0}（夫婦はそれぞれ {1}）。所得・資産審査があります：貯蓄とスーパーアニュエーション {2} は年 {3} の収益とみなされ、所得審査では {4}、資産審査（{5}）では {6} となり、低い方の額が支払われます。年金は一般税財源のため保険料はなく、他の所得がなければ高齢者税額控除により税金はかかりません。スーパーアニュエーションは「スーパー」タブにあります。","homeowner":"持ち家","non-homeowner":"持ち家なし","part pension, means-tested ({0} of the maximum)":"一部年金、所得・資産審査あり（最大額の {0}）","Medicare levy surcharge {0} (no private hospital cover)":"メディケア賦課金の追加分 {0}（民間の入院保険なし）","PGBL contributions are deductible up to 12% of your taxable income ({0} a year) if you file the complete annual return and contribute to INSS. VGBL plans give no deduction but tax only the returns.":"PGBLの拠出は、完全な年間申告を行いINSSに加入していれば課税所得の12%（年 {0}）まで控除可能。VGBLプランは控除がありませんが、運用益にのみ課税されます。","{0} payments":"{0} 回の支給","Pro-rata holidays + one third ({0}/12, tax-free)":"休暇の按分 + 3分の1（{0}/12、非課税）","13th salary pro rata ({0}/12)":"13か月目の給与の按分（{0}/12）","{0} a month for {1} months (first claim)":"月 {0} を {1} か月（初回請求）","FGTS balance released ({0}, your own account)":"引き出し可能になるFGTS残高（{0}、自分の口座）","acordo":"acordo","all":"すべて","FGTS fine {0} of the balance (tax-free)":"FGTSの罰金 残高の {0}（非課税）","Notice paid in lieu ({0} days{1})":"予告に代わる支払い（{0} 日{1}）",", half by agreement":"、合意の場合は半分","INSS retirement by age: {0} of your average salary ({1} a month since July 1994), within the minimum wage (R$1,621) and the ceiling (R$8,475.55). You need age {2} and {3} years of contributions; earlier transition rules for people insured before November 2019 are not modelled. Paid 13 times a year.":"INSSの年齢による老齢年金：平均給与（1994年7月以降、月 {1}）の {0}、最低賃金（R$1,621）と上限（R$8,475.55）の範囲内。{2} 歳と保険料納付 {3} 年が必要。2019年11月以前の加入者向けの経過措置はモデル化していません。年13回払い。","Your limit in 2026 is {0}{1}; employer match {2}. {3} Withdrawals before 59½ usually pay a 10% penalty.":"2026年のあなたの上限は {0}{1}、雇用主のマッチング {2}。{3} 59½歳より前の引き出しには通常10%のペナルティがかかります。"," including the catch-up for your age":" あなたの年齢のキャッチアップを含む","Roth: you pay tax now and withdrawals after 59½ (account open 5 years) are tax-free; the employer match is usually pre-tax.":"Roth：今税金を払い、59½歳以降（口座開設5年後）の引き出しは非課税。雇用主のマッチングは通常税引前です。","Traditional: contributions lower federal and state income tax (not Social Security or Medicare); withdrawals are taxed as income.":"従来型：拠出は連邦と州の所得税を下げます（社会保障税やメディケアは下がりません）。引き出しは所得として課税されます。","{0} / week for up to {1} weeks in {2} (taxable)":"{2}で週 {0} を最長 {1} 週（課税）","Severance (company policy, {0} weeks per year)":"退職金（会社の方針、1年につき {0} 週）","Social Security: primary amount {0} a month at 67 (average indexed earnings {1} a month over your best 35 years), {2}. {3}You need 40 credits (about 10 years of work). Amounts in today’s money.":"社会保障：67歳での基本額 月 {0}（最も良い35年の平均指数化月収 {1}）、{2}。{3}40クレジット（約10年の就労）が必要です。金額は現在の貨幣価値です。","reduced to {0} for claiming at {1}":"{1} 歳で請求すると {0} に減額","raised to {0} for waiting until {1}":"{1} 歳まで待つと {0} に増額","paid in full at your full retirement age":"満額受給年齢で全額支給","The Medicare Part B premium ($202.90 a month in 2026) is deducted. ":"メディケアパートBの保険料（2026年は月$202.90）が差し引かれます。 ","State income tax ({0})":"州所得税（{0}）","{0} / month at first, {1} days (fund members)":"最初は月 {0}、{1} 日（基金会員）","Earnings-related pension {0} a month: 1.5% of each year’s pay (after your pension contribution), times the life-expectancy coefficient (about {1}), +0.4% for each month you claim after your lowest age ({2}).{3} Net is an estimate (pension income deduction not modelled).":"所得比例年金 月 {0}：毎年の給与（年金保険料控除後）の1.5% × 平均余命係数（約 {1}）、最低年齢（{2}）以降に請求する1か月ごとに+0.4%。{3} 手取りは推計です（年金所得控除はモデル化していません）。"," National and guarantee pension add {0} a month.":" 国民年金と保証年金で月 {0} が加わります。","{0} / month for up to {1} weeks":"月 {0} を最長 {1} 週","Retirement pension {0} a month: 18.1% of each year’s income up to 7.1 G (NOK 969,498) builds a pension account, divided by a life-expectancy divisor for claiming at {1}{2}. You can claim from 62 if the pension at 67 would reach the guarantee level; occupational pension (OTP, at least 2%) and AFP come on top.":"老齢年金 月 {0}：毎年の所得の7.1 G（NOK 969,498）までの18.1%が年金口座を形成し、{1} 歳で請求する場合の平均余命除数で割ります{2}。67歳時点の年金が保証水準に達するなら62歳から請求可能。職域年金（OTP、少なくとも2%）とAFPは別途加算されます。",", plus guarantee pension {0}":"、加えて保証年金 {0}","{0} / month at first, 300 days (a-kassa members)":"最初は月 {0}、300日（a-kassa会員）","Income and premium pension {0} a month: 18.5% of each year’s pensionable pay (capped at SEK 625,500) divided by a life-expectancy divisor for claiming at {1}{2}. You can claim from 63; the target age (riktålder) is 67, when the guarantee pension and housing supplement start. Occupational pensions (ITP/SAF-LO, usually 4.5% of pay) come on top.":"所得年金とプレミアム年金 月 {0}：毎年の年金算定給与（上限SEK 625,500）の18.5%を、{1} 歳で請求する場合の平均余命除数で割ります{2}。63歳から請求可能。目標年齢（riktålder）は67歳で、保証年金と住宅補足が始まります。職域年金（ITP/SAF-LO、通常給与の4.5%）は別途加算されます。","{0} / month for up to 2 years (a-kasse members)":"月 {0} を最長2年（a-kasse会員）","Severance (fratrædelsesgodtgørelse) {0} month(s)":"退職金（fratrædelsesgodtgørelse）{0} か月","Folkepension from {0} (your birth year): basic amount DKK 7,544 a month (full after 40 years of residence) + pension supplement up to DKK 8,729 (single, reduced by other income), plus ATP of about {1} a month. Deferring raises it. Most Danes also get a labour-market pension (often 12% of pay), which is not included here.":"{0} 歳（あなたの生年）からfolkepension：基礎額 月DKK 7,544（40年居住で満額）+ 年金補足 最大DKK 8,729（単身、他の所得で減額）、加えてATP 月約 {1}。繰り下げると増えます。ほとんどのデンマーク人は労働市場年金（多くは給与の12%）も受け取りますが、ここには含まれません。","Provident fund, pension and life-insurance contributions are deductible together with social insurance up to ⅕ of income: about {0} here.":"積立基金、年金、生命保険の保険料は、社会保険と合わせて所得の⅕まで控除可能：ここでは約 {0}。","{0} / week, 26 weeks (estimate)":"週 {0}、26週（推計）","Basic pension {0} + supplementary {1} (1.5% of your insured pay above the basic insurable earnings), paid 13 times a year. Age 65 with 15 years; from 63 with a 12% cut (0.5% a month). Estimate: the official amount uses your insurance points year by year.":"基礎年金 {0} + 補足 {1}（基礎被保険所得を超える被保険給与の1.5%）、年13回払い。15年で65歳、63歳からは12%減額（1か月につき0.5%）。推計：公式の額は毎年の保険ポイントを使います。","Personal retirement schemes give a 25% tax credit on up to €3,000 a year (max €750), here {0}, shown as an extra contribution.":"個人退職制度では年€3,000まで（最大€750）に25%の税額控除があり、ここでは {0}、追加の拠出として表示しています。","Two-thirds pension: ⅔ of your average pay over the best 10 years (capped at €{0}) × {1}/{2} years of contributions. Age 65 (born from 1962); from 61 if you have the full {2} years and stop working. Cost-of-living increases are added every year.":"3分の2年金：最も良い10年の平均給与（上限€{0}）の⅔ × 保険料納付 {1}/{2} 年。年齢65歳（1962年以降生まれ）。{2} 年の満額を満たして働くのをやめれば61歳から。生活費調整が毎年加わります。","Income tax ({0} rates)":"所得税（{0}の税率）","married":"既婚者","parent":"親","single":"単身者","Your pension contributions get income-tax relief up to {0} this year ({1} of earnings up to €115,000 at your age). USC and PRSI still apply.":"あなたの年金拠出は今年 {0} まで所得税の軽減を受けます（あなたの年齢では€115,000までの収入の {1}）。USCとPRSIは引き続きかかります。","State Pension (Contributory) {0} a week ({1}/40 years of contributions{2}). No early state pension; you can defer it up to 70 for a higher rate. Workplace and auto-enrolment pensions come on top.":"国家年金（拠出制）週 {0}（保険料納付 {1}/40 年{2}）。国家年金の繰上げはなく、70歳まで繰り下げると週額が増えます。職域年金と自動加入年金は別途加算されます。",", increased for deferring":"、繰下げにより増額","Retirement savings plans (PPR) give a 20% tax credit, up to €400 under 35, €350 from 35 to 50 and €300 above 50: here on up to {0} a year.":"退職貯蓄プラン（PPR）は20%の税額控除があり、35歳未満は最大€400、35〜50歳は€350、50歳超は€300：ここでは年 {0} までが対象。","{0} / month, {1} months":"月 {0}、{1} か月","Reference earnings {0} a month (best {1} years) × {2} years at 2.0–2.3% a year. Normal age {3} (66 years 9 months in 2026, 66 years 11 months in 2027); yours is {4} after 4 months off for each year above 40 at age 60. Early from 60 with 40 years: −0.5% a month. Paid 14 times a year.":"基準収入 月 {0}（最も良い {1} 年）× {2} 年 × 年2.0〜2.3%。通常年齢 {3}（2026年は66歳9か月、2027年は66歳11か月）。あなたの年齢は、60歳時点で40年を超える1年ごとに4か月を引いて {4}。40年加入なら60歳から繰上げ可能：1か月につき−0.5%。年14回払い。","State-subsidised pension savings (prämienbegünstigte Zukunftsvorsorge): a 4.25% state premium on up to €3,286.08 a year, here {0}. No income-tax deduction. Employer pension-fund contributions are tax-free.":"国の補助付き年金貯蓄（prämienbegünstigte Zukunftsvorsorge）：年€3,286.08までに4.25%の国の奨励金、ここでは {0}。所得税の控除はありません。雇用主の年金基金への拠出は非課税です。","{0} / month, {1} weeks":"月 {0}、{1} 週","Pension account: 1.78% of each year’s pay (capped at €97,020) = {0} a year, paid in 14 instalments{1}. Legal age {2}. Net after 5.1% health insurance and wage tax (estimate).":"年金口座：毎年の給与（上限€97,020）の1.78% = 年 {0}、14回に分けて支払い{1}。法定年齢 {2}。健康保険5.1%と給与税を引いた手取り（推計）。",", +{0} for claiming after 65":"、65歳以降の請求で +{0}",", −{0} corridor pension (5.1% a year before the legal age)":"、コリドー年金 −{0}（法定年齢前は年5.1%）","{0} / month gross, {1} months":"月額総額 {0}、{1} か月","Flat part {0} ({1}/40 years) + proportional part {2} ({3}% of your career pay){4}. Age 65 with 10 years, or from 57 with 40 years; no reduction for early retirement. Employee, employer and state each pay 8.5%.":"定額部分 {0}（{1}/40 年）+ 比例部分 {2}（キャリア給与の {3}%）{4}。10年で65歳、または40年で57歳から。早期退職の減額なし。従業員、雇用主、国がそれぞれ8.5%を負担。",", raised to the minimum pension":"、最低年金まで引き上げ","Income tax class {0} incl. {1}% employment fund":"所得税 クラス{0}、雇用基金 {1}% を含む","Notice of {0} weeks, or the same in pay (taxed)":"{0} 週の予告、または同額の支払い（課税）","Pension savings give a tax credit of 30% up to €1,050 a year, or 25% if you pay up to €1,350 (2026): here {0} plus the municipal surcharge.":"年金貯蓄には、年€1,050までは30%、€1,350まで払えば25%の税額控除があります（2026年）：ここでは {0} に市町村付加税分が加わります。","{0} / month gross at first, {1} months":"最初は月額総額 {0}、{1} か月","{0} of your pay (capped at €82,609 a year) × {1}/45 years{2}. Legal age {3}; from 60–63 only with 42–44 career years{4}. Net after the 3.55% health contribution and tax with the pension reduction (estimate).":"給与（年€82,609が上限）の {0} × {1}/45 年{2}。法定年齢 {3}。60〜63歳からはキャリア42〜44年の場合のみ{4}。健康保険料3.55%と年金軽減を適用した税を引いた手取り（推計）。","75% (household rate)":"75%（世帯率）","60% (single rate)":"60%（単身者の率）",", here −{0} because you have fewer than 35 full years":"、満額の年が35年未満のため、ここでは −{0}","Income tax incl. {0}% municipal surcharge":"所得税、市町村付加税 {0}% を含む","Annuity (lijfrente) payments are deductible up to your annual room, here about {0} (30% of income above €19,172, before your pension-fund build-up).":"年金保険（lijfrente）の拠出は年間枠まで控除可能、ここでは約 {0}（€19,172を超える所得の30%、年金基金の積立前）。","AOW {0} ({1}/50 years of residence) from 67 + workplace pension {2} ({3}% a year of pay above the €19,554 franchise, estimate)":"67歳からAOW {0}（居住 {1}/50 年）+ 職域年金 {2}（控除額€19,554を超える給与に年 {3}%、推計）","Your PER contributions reduce taxable income up to {0} this year (10% of last year’s professional income, min €4,710, max €37,680).":"PERの拠出は今年 {0} まで課税所得を減らします（前年の職業所得の10%、最低€4,710、最高€37,680）。","{0} / month for {1} months":"月 {0} を {1} か月","Basic pension: average of the best 25 years {0} × {1} × {2}/{3} quarters{4}; AGIRC-ARRCO {5} points × €1.4386. Legal age {6}, full rate at 67.":"基礎年金：最も良い25年の平均 {0} × {1} × {2}/{3} 四半期{4}。AGIRC-ARRCO {5} ポイント × €1.4386。法定年齢 {6}、67歳で満額。"," + {0} bonus":" + ボーナス {0}","Taxable income after 10% allowance ({0} tax shares)":"10%の控除後の課税所得（課税単位 {0}）","Paid days off per year, {0}":"年間の有給休日、{0}","Statutory redundancy: {0} weeks × £{1}":"法定整理解雇手当：{0} 週 × £{1}","Objective dismissal: 20 days per year ({0} days), tax-free":"客観的理由による解雇：1年につき20日（{0} 日）、非課税","€540 × {0} months":"€540 × {0} か月","{0} months’ pay (Law 4093/2012), without notice":"給与 {0} か月分（法律4093/2012）、予告なし","same salary {0} / year everywhere":"どこでも同じ給与 {0} / 年","EUR":"EUR","Statutory redundancy ({0} weeks)":"法定整理解雇手当（{0} 週）","{0} months, from {1} / month":"{0} か月、月 {1} から","from {0} / month for {1} months":"月 {0} から {1} か月","Unfair-dismissal indemnity ({0} months)":"不当解雇の補償金（{0} か月）","{0} / month for {1} months{2}":"月 {0} を {1} か月{2}"," after a 12-week block":" 12週間の支給停止の後","working days · legal minimum {0}{1}":"労働日 · 法定最低 {0}{1}"," (may include bank holidays)":" （バンクホリデーを含む場合あり）","Tax-free up to €8,112, social-insurance-free up to €4,056. Employer adds 15% of the SS-free part ({0}).":"€8,112まで非課税、€4,056まで社会保険料免除。雇用主は社会保険料免除分の15%を加算（{0}）。","with +{0} for deferring":"繰下げにより +{0}","£241.30/week × {0}/35 qualifying years; State Pension age {1}":"週£241.30 × {0}/35 資格年数。国家年金受給年齢 {1}","Base {0} × {1} for {2} years; ordinary age {3}":"基礎額 {0} × {1}、{2} 年分。通常年齢 {3}","Notional capital {0} × {1}% at {2}":"名目資本 {0} × {1}%、{2} 歳で","{0} pension points × €42.52":"{0} 年金ポイント × €42.52","Freelancer {0} vs employee {1} on a budget of {2}":"予算 {2} でフリーランス {0} 対 従業員 {1}","{0} working days":"{0} 労働日","6 days (1 child), 8 (2), 14 (3+) a year, children under 16{0}":"16歳未満の子ども1人で年6日、2人で8日、3人以上で14日{0}"," → {0} days":" → {0} 日","Up to 4 days a year per child{0}":"子ども1人につき年最大4日{0}","Long-term care {0}%":"介護保険 {0}%","Tax credits (employee + CO2 + single parent)":"税額控除（従業員 + CO2 + ひとり親）","Tax credits (employee + CO2)":"税額控除（従業員 + CO2）","Tax credits (personal + employee + single parent)":"税額控除（個人 + 従業員 + ひとり親）","Municipal tax (kommuneskat {0})":"市町村税（kommuneskat {0}）","Municipal and regional tax ({0})":"市町村・県の税（{0}）","Burial fee + church fee and public service fee":"埋葬費 + 教会費と公共放送費","Employee pension contribution (TyEL {0})":"従業員の年金保険料（TyEL {0}）","Municipal tax ({0}) + church tax":"市町村税（{0}）+ 教会税","Municipal tax ({0})":"市町村税（{0}）","{0} (moved)":"{0}（移動済み）"}